When you find an error on your credit report, it can be alarming because you realize that your credit score could be suffering from a negative item that you don’t deserve. Thanks to the Fair Credit Reporting Act (FCRA), it’s your right to dispute any incorrect or out of date items listed on your credit … Continue reading How to Dispute an Error with Equifax →
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Your credit score has such a big impact on so many aspects of your life. This number is a reflection of how you spend and manage your money and how risky it would be for a lender to give you a loan or a credit card company to provide you with a card. Your score … Continue reading How to Improve Your Credit Score →
Strong credit health begins with knowing exactly what is affecting your credit. The way to find this information is by accessing your credit reports each year. The process is free and relatively easy to complete. We’ll walk you through exactly how to request your free credit reports and what to look for once you’ve received … Continue reading How to Get Your Free Annual Credit Report →
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 →
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 →