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 →
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Maintaining your credit score involves lifelong financial behaviors, but improving your score doesn’t have to take forever. It won’t happen overnight, but a few smart decisions can turn a bad score in the opposite direction. Depending on what kind of items you have on your credit report, it can take months and sometimes even years … Continue reading How to Rebuild Your Credit →
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. On top of that, car values don’t always hold with the amount you owe on the loan. As soon as you … Continue reading How to Get a Repossession off Your Credit Report →
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 Credit Report Before 7 Years →
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 →