Any payment made 30 days or more after the due date is at risk of being reported to the three credit bureaus as a late payment. And having your credit report peppered with them can cause your credit score to plummet. Added to that is the fact that the payment continues to show up on … Continue reading How to Get a Late Payment Removed from Your Credit Report →
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When you’re working on increasing your credit score, it’s important to know how exactly the scoring process works. That way, your financial decisions can be guided by what’s best for your wallet as well as what’s best for your credit score. Whether you’re trying to rebuild credit after a tough period, or want to get … Continue reading Why You Have 3 Different Credit Scores →
You want to improve your credit score, but you have outstanding debts to a collection agency. Before you pay it all off, take a few moments to evaluate your personal situation. Different types of debts should be handled in different ways because they each affect your credit score uniquely. The way you handle your repayment … Continue reading Paying Off Collections to Improve Your Credit Score →
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 Long Does it Take to Rebuild Your 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 →