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 →

Buying a car is a huge financial responsibility, from cash upfront to expensive monthly payments. Both new and used car prices are at an all-time high, so this burden isn’t getting easier for anyone. Moreover, car values don’t always hold with the amount you owe on the loan. As soon as you drive a new … Continue reading How to Get a Repo Off Your Credit Report →

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? →

When you have bad credit it can be challenging to qualify for a credit card. You can’t get approved, but it’s difficult to efficiently improve your credit score if you don’t have regular payments that are consistently reported to the three major credit bureaus. Luckily, there are viable options for you to not only get … Continue reading How to Get a Credit Card with Bad Credit →

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 last two years. Your … Continue reading How to Remove Credit Inquiries from Your Credit Report →