As lawsuits grow to be more common occurrences, a growth in the number of civil judgments are being doled out to individuals; especially from collection agencies. This can impact your life in numerous ways, so it’s important to fully understand the repercussions. Hopefully, this information will help you avoid getting to the point of a … Continue reading How to Remove a Judgment from Your Credit Report →
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Once a homeowner has fallen behind on their monthly mortgage payments by at least 120 days, mortgage lenders generally begin foreclosure proceedings on the home. Having negative items on your credit report such as foreclosure can be damaging to your credit scores, even if you’re already recovering financially from defaulting on a former home. While … Continue reading How to Remove a Foreclosure from Your Credit Report →
Not only does a charge-off look bad on your credit report, it can also keep you from getting approved for loans or credit cards. While getting a charge-off removed from your credit report is difficult, it’s certainly possible. The key is to know what to do and what not to do before you start the … Continue reading How to Remove a Charge-Off from Your Credit Report →
At least once a year, you should review your free credit report from each of the three major credit bureaus to ensure all your credit history and payment history are accurate. Outlining Your Credit Dispute Letter Occasionally, there might be an error on your credit report that requires correction to properly reflect your credit score … Continue reading How to Write a Credit Dispute Letter →
Going through a bankruptcy is a massive burden, both emotionally and financially. It can also affect your credit scores 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 a chapter 7 bankruptcy stay on your … Continue reading How to Remove a Bankruptcy from Your Credit Report Early →