Do You have Negative Credit Information in Your Credit Report?

Do You have Negative Credit Information in Your Credit Report? If there is inaccurate or incomplete information in your credit report: Contact both the credit reporting agency and the company that provided the information to the Credit Reporting Agency (CRA). Tell the CRA in writing what information you believe is inaccurate. Under The Fair Credit [...]

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Credit Tips

If you are like many people, you either have bad credit or had bad credit at some point in your lifetime. The sad fact is most people are not educated about credit and their rights. America is filled with misconceptions, due to spin of the facts from both sides of the aisle. In reality, consumers [...]

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Credit Report Questions and Answers

It is a written report (stored in computers comprised of the following information about your personal credit worthiness and debt repayment history. Identification by name, address, spouse’s name, date of birth, Social Security number, telephone number, place of employment, mother’s maiden name, etc. Credit inquiries – every time a subscriber (credit provider) runs a credit [...]

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Top 10 Ways To Repair Your Credit Score

You must never underestimate the value of having good credit. You will definitely need your credit score in the future. For example if you are a student, youll need to borrow a certain amount using a student loan in order to attend school. At this point, your credit history will definitely matter and will have [...]

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Check Your Credit Report!

Review your credit report from each credit reporting agency at least once a year. Credit report helps to know where you stand financially at the year ending. The law of credit report many vary from state to state. But generally one can investigate their credit report from any of three financial bureaus. To check your [...]

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Are You Managing Credit And Debt Or Is It Managing YOU

Are You Managing Credit And Debt Or Is It Managing You? Credit is an established part of American life. It can be a valuable tool permitting you to purchase a home or a car, finance an education, or take advantage of special sales and offers. Unwise use of credit, however, will lead to financial problems. [...]

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How To Raise Your Credit Score

Is it really that important to raise your credit score? Maybe. Lenders have “break points” between scores that get you one interest rate or another. Suppose you have a score of 688, and the lender drops the mortgage rate by .5% at 690. Those two points can cost you an extra $20,000 in interest on [...]

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