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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A collection is when your overdue bill is turned over or sold from the original creditor (such as a credit card company or doctor’s office) to a collection agency. The debt is usually sold for just pennies on the dollar. However, the creditor would rather bring in a fraction of the bill than spending the … Continue reading How to Remove Collection Accounts from Your Credit Report →
A credit report freeze is an excellent tool you can use to lock down your credit. With credit card fraud and identity theft running rampant today, it’s important to have a well thought out plan to help you keep your reputation unscathed. As part of your strategy, consider freezing your credit reports. We’ll show you … Continue reading How to Freeze Your Credit Report →
Bad credit is an ever-increasing problem throughout the U.S. Whether it’s from excessive debt or missed payments, the financial burden of a poor credit score eventually catches up when it’s time to apply for a loan, credit card, or even a new apartment. Arm yourself with information on what exactly your FICO credit score is, … Continue reading Everything You Need to Know About Your FICO Credit Score →
With so many credit repair companies available both locally and online, it can be frustrating to know who to trust to help you with bad credit. The Fair Credit Reporting Act was enacted to help protect consumers by allowing for a robust credit repair process. Unfortunately, it opened the door for some unsavory companies to … Continue reading 5 Signs Your Credit Repair Company is a Scam →