Free Credit Reports For You

American consumers are now entitled to receive one free copy of their credit report per year from each of the three major credit reporting agencies. Equifax, Experian, and Trans Union are now all required by law to furnish to you a copy of your credit report. This is good news for consumers; please read on [...]

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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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Whats Your Credit Score? Not Knowing Could Cost You

When you go online and apply for a credit card, how can you get your results in a matter of seconds? The answer is your credit score. This little number packs a big punch and can make the difference between getting approved for a car loan, a great rate on your mortgage, or getting turned [...]

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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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Improve Your Credit Score By Correcting Your Credit Report

Under the Fair Credit Reporting Act (FCRA), both the consumer reporting company and the information provider (the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under the FCRA, contact the consumer [...]

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Improve your credit score

What does Credit Score mean? A measure of credit risk calculated from a credit report using a standardized formula. Factors that can damage a credit score include late payments, absence of credit references, and unfavorable credit card use. Lenders may use a credit score to determine whether to provide a loan and what rate to [...]

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Improve your credit score

What does Credit Score mean? A measure of credit risk calculated from a credit report using a standardized formula. Factors that can damage a credit score include late payments, absence of credit references, and unfavorable credit card use. Lenders may use a credit score to determine whether to provide a loan and what rate to [...]

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