Is your credit score not as high as you’d like it to be? If so, you may have heard of becoming an authorized user on another person’s credit card account to boost your credit score. Being added as an authorized user on a strong account can really save you some money in the long run. … Continue reading What Are Authorized User Tradelines? →
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A car repossession happens after a series of missed payments and the lender believes you (the borrower) will not get “caught up” in a timely manner. The exact process and timeline depend on specific state laws and auto loan policy that dictate when your vehicle can be repossessed. If you’ve missed one payment, you don’t … Continue reading How Does a Repossession Affect Your Credit? →
You want to improve your credit scores, 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 scores uniquely. The way you handle your repayment … Continue reading Paying Off Collections to Improve Your Credit Score →
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 →
When you find an error on your credit report, it can be alarming because you realize that your credit score could be suffering from a negative item that you don’t deserve. Thanks to the Fair Credit Reporting Act (FCRA), it’s your right to dispute any incorrect or out of date items listed on your credit … Continue reading How to Dispute an Error with Equifax →