It happens to the best of us. You blithely open your credit report, just to take a look… and encounter something you hadn’t expected to see. Fraudulent accounts or activity history is scary enough, but public records can be even more sinister, having far-ranging implications for your ability to get a loan, secure a lease, … Continue reading How to Remove Public Records From Your Credit Report →
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You want to improve your credit score, but you have outstanding debts to a collection agency. Before you pay it all off, take a few moments to evaluate your personal situation. Different types of debts should be handled in different ways because they each impact your credit score uniquely. The way you handle your repayment … Continue reading Paying Off Collections to Improve Your Credit Score →
If you have struggled with getting loans because you have poor credit, then you have probably started looking into other ways to get the financing you need. One of the options you will most likely run into is a subprime loan. Subprime loans are generally for people without a stellar credit history. Sometimes lenders that … Continue reading What Is a Subprime Loan? →
When you get a copy of your credit report, you may be surprised at some of the information that’s actually included. Some of it is negative and can hurt your chances to be approved for credit or loans. It pays to know what information is on your credit report before you apply for a credit … Continue reading How to Remove a Tax Lien from Your Credit Report →
When you’re working on repairing your credit, it’s smart to know how your credit information is collected so you know where to go to look for improvement. Credit reporting agencies are private companies that collect certain types of data to create your credit report. Lenders, credit card companies, and other creditors then access this information … Continue reading What Is a Credit Reporting Agency? →