Is it really possible to ‘fix’ your credit report?

I have heard people say they have paid people to ‘fix’ their credit report. Is this true and legit? I have negative things on my report due to numerous things, job loss, divorce, stupidity as a college student and a bankruptcy that is scheduled to ‘fall’ off 2011. Some of these things supposedly are to [...]

Continue reading...

What in the world is going on with my credit score?

Here is a recent history; 12 Dec ’09 credit score was 654,602,580, 22 Dec ’09 signed up with True Credit for 3 bureau monitoring 22 Dec also signed up with a Credit Repair Co. who has an A+ rating with the BBB 23 Dec Credit Repair co placed round of disputes 26 Dec I paid [...]

Continue reading...

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 [...]

Continue reading...

Credit Report form Three National Credit Bureaus

Today any resident can have one free copy a year of their credit report from each of the three national credit bureaus. The annual free credit reports are mandated by to reduce the incident of identity of theft by encouraging consumers to regular check their credit histories for suspicious activity, such as a new credit [...]

Continue reading...

Credit Report — 5 Secrets Credit Bureaus Dont Want You

Credit Report — 5 Secrets Credit Bureaus Dont Want You to Know If you’ve ever applied for a loan or credit card, chances are your lender acquired and examined a copy of your credit report before deciding whether or not to grant you credit. Your “Credit Report” is a record of your credit history and [...]

Continue reading...

When Your Credit Score Isn’t Really Your Credit Score

Many articles have been written about the importance of having healthy credit. And nowhere is the state of your credit more important than when you apply for a home loan. For most people, a house is the most expensive thing they will ever buy and the overall health of your credit determines whether or not [...]

Continue reading...

Improve Your Credit Score Before Buying a Home

Several months before you begin to look for a home, you should take steps to get “credit approved” for your loan. Start by making a list of all your existing loans and credit cards, with the company names, account numbers and monthly payment amounts. This will help you to analyze the information shown on your [...]

Continue reading...