After high school, most people have vague ideas about credit scores and credit reports. Great credit means shiny credit cards and new clothes, while bad credit means you work at a low-end job and, worse, drive to it with an old car. After college, the concept of credit clears and solidifies, but only slightly. It’s … Continue reading What Is a Bad Credit Score? →
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When you have bad credit, it might not be something you think about every single day of your life. But when the time comes to get some sort of financing or credit, your less-than-perfect credit score can weigh on your mind day and night. This is especially true when you need to buy a car. … Continue reading How to Buy a Car with Bad Credit →
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 Thanks to the Fair Credit Reporting Act (FCRA), it’s your right to dispute any incorrect or out of date items listed on your credit … Continue reading How to Dispute an Error with Equifax →
It’s an unfortunate truth that credit reports aren’t guaranteed to be accurate. Research conducted by the FTC discovered that one in four Americans have mistakes on their credit reports that are significant enough to potentially impact their scores for the worse. Even if you don’t think you have a negative item on your credit report, … Continue reading How to Remove Negative Items from Your Credit Report →
You’ve taken the initiative to fix your credit but you might not be making as much progress as you’d like. Or maybe you’re not making much headway with the credit bureaus or your creditors. Credit repair isn’t a difficult process, but it is easy to make mistakes along the way. We’ve put together a list … Continue reading Top 5 Credit Repair Mistakes →