Negative items such as late payments can leave a lasting impact on your credit report and score. Unfortunately, foreclosures are particularly damaging, even if you’re already recovering financially from defaulting on a former home. While it can be difficult to prematurely remove a foreclosure, it’s not impossible. If you’re close to the date it should … Continue reading How to Remove a Foreclosure from Your Credit Report →
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As lawsuits grow to be more common occurrences, a growth in the number of judgments are being doled out to individuals; especially from collection agencies. This can impact your life in a number of ways, so it’s important to fully understand the repercussions. Hopefully, this information will help you avoid getting to the point of … Continue reading How to Get a Judgment Removed from Your Credit Report →
It takes credit to get credit, so where do you start when you’re looking to improve your credit score? A secured credit card is a great place to start, regardless of your credit history. Whether you’ve been haunted by bad credit or simply haven’t had much credit at all, using a secured credit card is … Continue reading How to Use a Secured Credit Card to Build Credit →
Credit reporting and monitoring have become ubiquitous in recent years. While credit reports have been used for decades to determine things like interest rates, credit limits, and creditworthiness when applying for a loan or credit card, they’re now used for much more. Many people don’t know that landlords run a credit check when you apply … Continue reading How to Dispute an Error with TransUnion →
Going through a bankruptcy is a huge burden, both emotionally and financially. It can also affect your credit score for years. While it can take some difficulty, however, it is possible to have those negative items removed early. We’ll take you step-by-step through the process. How long does it take for a Chapter 7 to … Continue reading How to Remove a Bankruptcy from Your Credit Report →