You have the right to dispute any information in your credit files that you believe is inaccurate. Anything a credit repair company can do legally to fix your credit – you can do yourself. We help you get started.
There are many benefits of having a good credit score. It can make borrowing money much easier, and get you better rates on everything from your mortgage to a car loan. The better your credit, the less risky you are …
Credit can be a blessing or it can be a curse. When trying to clean up your credit report and reported credit history, you will probably end up filing a few disputes. These disputes will be with one of the …
If you find something wrong on one or more of your credit reports, you have the right to dispute listings with the credit bureaus that generate those reports. But do you really need to contact all of them, or will one dispute do the trick for all three?
Let’s be honest. Having a debt in collections can be overwhelming. Between the phone calls, voicemails, and letters in the mail from debt collectors – it all adds up quickly. Not to mention, a collection on your credit report can …
Most people believe it takes years to recover your credit after filing for bankruptcy. While rebuilding a decent credit score may take a few years, most people can qualify for a low-balance credit card within months of filing for bankruptcy. …
If you’ve been searching for ways to repair your credit, you’ve likely heard that doing so is easy and straightforward. And you’ve probably read several articles that claim credit repair is simple whether you hire an agency to do it …
Fixing your credit is something you can do yourself. You just need the right resources. Our comprehensive collection of credit repair articles can help, full of free credit repair information. Rather not try and fix your credit yourself? Check out …
If you have a negative event listed in your credit report, you might be wondering how you should go about removing it. Perhaps this event occurred through no fault of your own, was accidental, or didn’t even happen at all. …
When looking into improving your credit score, there are many things to take into consideration. Many falsely believe that their bad credit isn’t repairable or that it will take many years to improve. This isn’t always the case. Oftentimes, consumers …
What happens when the credit bureau receives your dispute? What items on your credit report should you dispute? Your knowledge going into the credit dispute process can be the difference between success and failure. In this article, you will get …
When you make the decision to repair your credit, things may seem confusing. Everyone seems to have a different opinion on what works and what doesn’t. Here are 11 common myths that you should definitely be aware of. Peruse them …
If you’ve chosen to take action and repair your credit, it’s important to get all the facts straight. The slightest mistake can make all the difference. Review these common mistakes and ensure they do not hinder your credit repair journey. …
To hire a credit repair company or not to, that is the question. A low credit score signals it is time to invest in credit repair. But can you do it alone? Do you even have time to? Should you …
Spoiler alert: the answer is yes! Credit repair is the process of fixing bad credit that may have gotten that way for a variety of reasons. To repair your credit, you may need to dispute information on your credit report …
Dealing with debt collectors may be the last thing you want to do — or feel equipped to handle — but sometimes there is no way around it. If one of your outstanding debts gets transferred to a collection account, you’ve heard about it …
If you default on a credit card debt, the late pays and charge off from the default will stay on your credit reports for 7 years. What about the debt? Once it comes off your credit report, do you still owe …
States have a number of consumer protection laws to help those who have been defrauded or treated unfairly by a creditor. Creditors, realizing you are trying to fix your credit, might begin to employ unfair and desperate measures to try to …
A big part of credit repair is making sure you do not have any incorrect or erroneous information on your credit reports. If you see something on one or more of your credit reports that don’t look right, you have the …
There is no law saying you can’t repair your credit on your own. But, if you are too busy or you feel the entire process is a bit overwhelming, there is no shame in wanting to hire someone to do it …
DIY credit repair starts with reviewing all three credit reports and then removing negative information that is inaccurate, incomplete, or unverifiable. Repairing your credit can mean the difference between getting a loan or not. Thousands of our readers have removed …
The Federal Trade Commission (FTC) released a report in February of 2015 revealing some staggering statistics. They found that one in five Americans has an error on their credit report. This came on the heels of a landmark settlement paid out by …
One piece of the credit repair process is to dispute any erroneous and/or inaccurate information found on your credit report with the credit reporting agencies. Let’s say you reviewed your credit reports and you see there is an account marked with a late payment …
One in five Americans has errors on their credit reports. What’s worse is how difficult of a process it can be to have these errors removed. Plus, many listings that aren’t technically wrong are just plain unfair. It’s issues like these …
Everyone, it seems through mass media coverage, knows how to dispute negative credit listings on a credit report. This is a good thing. However, many people are foiled in their credit dispute efforts because of the way credit bureaus investigate disputes. If you …
Credit inquiries are a hot topic in credit repair these days as it is widely known that it is possible to remove them from your credit reports. As you review your credit report, you will notice a section at the end of the …
Having a judgment on your credit report is right up there with loan defaults and repossessions as one of the biggest hits to your credit score. The two worse items to affect your score are foreclosure and bankruptcy. You can …
If you visit our site regularly, you already know it is loaded with free information on how to fix your credit, reduce your debt, and apply for a good credit card. As we say, there is nothing a credit repair company …
Having a collection on your credit report can really hurt your credit score. Even though a collection will hurt you less as it gets older, the entry will remain on your credit report for seven years. That being said, you don’t have …
If you have tried disputing inaccurate information found on your credit report but these attempts were met with failed results, the 623 dispute method may be a viable alternative to getting erroneous or unconfirmed information removed from your credit report. The …
Based on the fact you are reading this article, we can surmise you have come to this site to find information on credit repair. Money may be tight and you may not have a lot of extra money to pay someone …
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