At least once a year, you should review your credit reports from the three credit bureaus to ensure all your financial account information and payment history are accurate. Outlining Your Dispute Letter Occasionally, there might be a reporting error on your report that requires correction to properly reflect your credit score and history to prospective … Continue reading How to Write a Credit Dispute Letter →
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Not only does a charge-off look bad on your credit report, it can also keep you from getting approved for loans or credit cards. While getting a charge-off removed from your report is difficult, it’s certainly not impossible. The key is to know what to do and what not to do before you start the … Continue reading The Ultimate Guide to Removing Charge-offs from Your Credit Report →
Maintaining your credit score involves lifelong financial behaviors, but improving your score doesn’t have to take forever. It won’t happen overnight, but a few smart decisions can turn a bad score in the opposite direction. Depending on what kind of items you have on your credit report, it can take months and sometimes even years … Continue reading How to Rebuild Your Credit →
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. They have far-ranging implications for your ability to get a loan, secure a … Continue reading How to Remove Public Records From Your Credit Report →
Your credit score has such a big impact on so many aspects of your life. This number is a reflection of how you spend and manage your money and how risky it would be for a lender to give you a loan or a credit card company to provide you with a card. Your score … Continue reading How to Improve Your Credit Score →