As lawsuits grow to be more common occurrences, a growth in the number of civil judgments are being doled out to individuals; especially from collection agencies. This can impact your life in numerous ways, so it’s important to fully understand the repercussions. Hopefully, this information will help you avoid getting to the point of a … Continue reading How to Remove a Judgment from Your Credit Report →
A credit inquiry occurs when you apply for a loan or credit card and authorize the creditor to access your credit report. Once an inquiry is pulled, it is listed at the bottom of your credit report. This allows future creditors to see how much credit you have requested in the past two years. Your … Continue reading How to Remove Credit Inquiries from Your Credit Report →
It’s estimated that one in five people have errors on their credit reports. With the world revolving around credit, you can’t simply sit on your hands if you’re a part of the mislabeled 20%. A bad credit score can affect a myriad of things in your life. You surely know about the big ones like … Continue reading How to Dispute an Error on Your Experian Credit Report →
It happens to the best of us. You blithely open your credit report, just to take a look, when you 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 … Continue reading How to Remove Public Records From Your Credit Report →
Foreclosure is a legal process in which a lender repossesses a property due to the borrower’s inability to make the required monthly mortgage payments. This process can have a significant impact on your credit score, as it is a negative mark on your credit history. A foreclosure can lower your credit score by several hundred … Continue reading How to Remove a Foreclosure from Your Credit Report →