What To Do and What Not To Do When Embarking on Your Own Credit Repair
We are committed to helping you improve your credit score and credit history, even if you decide not to use our services. Therefore, we offer these articles to give you guidance to ensure you get it done right.
If you have most
Positive or neutral information can remain on your credit reports forever
Experian, as an example, no longer reports accounts that are greater than 10 years old if the account is closed and there's no activity on it. Accounts for instance, credit cards and mortgages can remain on a credit report for several years if they are
Credit reports and scores are being used for more than borrowing and lending, which is why it’s important to make sure yours is accurate. Now, the three national credit-reporting agencies have implemented the first phase of sweeping changes to their businesses, including how they handle disputes. Jill Schlesinger reports.
The following is an overview of the most common Federal Laws pertaining to consumer rights protection. These are the basics of what the average consumer should know. This is not an official legal interpretation of these laws, but instead a set of basic facts meant to assist the
You can increase your credit score by removing outdated and inaccurate information from your credit report. The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies.
Under the "Fair Debt Collection Practices Act" you are protected from harassing bill collectors and creditors. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.
Your FICO score is calculated from many different pieces of credit data in your credit report. This data is grouped into five categories. Your FICO Score consider both positive and negative information in your credit report. More about FICO