Select Page

Blog

How to Improve Your Credit Score Fast?

How to Improve Your Credit Score Fast?

When negative information shows up on your credit report, and it shouldn’t be there, you have options. TransUnion is one of the “big three” credit reporting bureaus. This article will explain how you can check your TransUnion credit report. We’ll also go over how you can dispute false and harmful information on your report. Finally, we’ll give you all the contact information you need to protect your credit.

How to Remove Negative Items from Your Credit Report?

How to Remove Negative Items from Your Credit Report?

Creditrepair.com is one of the most popular credit repair services today. That’s not surprising, given how important credit scores are in the modern age. This article will explain why the services creditrepair.com offers are valuable.

CreditRepair.com Review

CreditRepair.com Review

Creditrepair.com is one of the most popular credit repair services today. That’s not surprising, given how important credit scores are in the modern age. This article will explain why the services creditrepair.com offers are valuable.

TransUnion Credit Dispute

TransUnion Credit Dispute

When negative information shows up on your credit report, and it shouldn’t be there, you have options. TransUnion is one of the “big three” credit reporting bureaus. This article will explain how you can check your TransUnion credit report. We’ll also go over how you can dispute false and harmful information on your report. Finally, we’ll give you all the contact information you need to protect your credit.

Experian Credit Dispute

Experian Credit Dispute

Accidents happen. However, when they happen to your credit report, the results are serious. That’s why federal law provides ways for consumers to challenge the information on their credit reports.

Equifax Credit Dispute

Equifax Credit Dispute

Equifax is one of the three major credit reporting bureaus. That means they house some of your most important and sensitive information. All of that information is part of your credit report.

How to Dispute Your Credit Bureau Report

How to Dispute Your Credit Bureau Report

This article covers the basic facts you need to know about credit reports and credit reporting. It also explains how false information can get on your report. Finally, we’ll explain how to dispute a credit report and win.

Lexington Law Firm Credit Repair Reviews

Lexington Law Firm Credit Repair Reviews

Utah-based Lexington Law has been one of the most trusted and leading law firms working in the sphere of credit repair over more than 25 years now. The firm’s principal mission has been to ensure that its clients’ credit reports are always fair and accurate.

What is Considered a Good Credit Score Range?

What is Considered a Good Credit Score Range?

Your credit score is a solitary number that symbolizes your trustworthiness as a debtor when you apply for a loan. It’s also a gauge of how someone would view you if he intends lending you money.

Repossessions and Credit Scores

Repossessions and Credit Scores

Repossession of property is something of a specter that haunts the financial imagination. There is a great deal of confusion regarding what repossession actually is and how it works. This confusion has created complications when it comes to understanding how different things affect your credit score.

P2P Lending and Credit Card Debt

P2P Lending and Credit Card Debt

Technology has advanced by leaps and bounds over the past two decades. Every industry has been affected by the increased connection, speed of communication, and data processing abilities computers offer. One industry that has taken full advantage of the tools modern technology offers is the financial industry.

Medical Credit Cards and Credit Scores

Medical Credit Cards and Credit Scores

Access to quality healthcare has been getting more expensive every year. This trend has lead to the rise of a new type of financial product, the medical credit card. These card offers seem to be at every doctor, dentist, and specialist office in the country.

Medical Bills and Credit Repair

Medical Bills and Credit Repair

Medical debt is one of the fastest growing categories of debt in this country. People are having a challenging time paying for the health care they need for themselves and their families.

How Eviction Can Affect Your Credit Score

How Eviction Can Affect Your Credit Score

Housing is one of the basic necessities of life. However, the price of housing is close to historical highs in many parts of the country. Additionally, wages have remained flat and high-paying jobs are hard to come by. Therefore, more people are worried about eviction than ever before.

Credit Repair and Unemployment

Credit Repair and Unemployment

The economic ups and downs of the past few years have caused more people than ever to become curious about unemployment. Whether these individuals are dealing with unemployment or underemployment, or just want to be prepared for the worst, it’s important to realize how your credit is affected by your employment status.

Credit Repair and Renting a New Apartment

Credit Repair and Renting a New Apartment

Owning a home is getting more expensive all the time. Additionally, people are having a harder time getting a job that produces higher real wages. Therefore, the rental market is booming. However, one barrier to getting the apartment you’ve had your eye on could be your credit score.

Canceled Debt and Taxes – What You Need to Know

Canceled Debt and Taxes – What You Need to Know

Canceled or forgiven debt can be a huge boon to consumers. After all, everyone likes the idea of being released from their obligation to pay. However, one thing that people don’t often consider is that canceled and forgiven debt can count as taxable income.

5 Credit Repair Mistakes to Avoid

5 Credit Repair Mistakes to Avoid

Credit scores are incredibly important in the modern age. Credit scores influence many aspects of life, from your monthly bills to your ability to get a job and pay for those bills. Therefore, it’s no surprise that so many people are interested in credit repair.

4 Credit Mistakes First-Time Homebuyers Make

4 Credit Mistakes First-Time Homebuyers Make

Buying a home is an intimidating process for everyone. However, first-time home buyers are likely to be even more nervous than those who have gone through the process before. As a result, there are a few key mistakes that first-time home buyers make when they are shopping for the first house or first mortgage.

How Does Buying a Home Affect Credit?

How Does Buying a Home Affect Credit?

Homeownership is a dream that many people have. Buying a home can be the start of the foundation for the rest of your life. However, buying a home comes with many stressful elements. Moreover, a home is a huge expense, and it will influence many aspects of your financial future.

How do Student Loans Affect Credit Score?

How do Student Loans Affect Credit Score?

The cost of college has never been higher. Moreover, it’s becoming more difficult to get a quality job without a college degree. As a result of these two trends, more people than ever before are taking out student loans.

Holiday Debt and Credit Scores

Holiday Debt and Credit Scores

With the holidays approaching we thought that consumers would like some advice about how holiday debt can affect their credit score. The holidays are one of the biggest drivers for debt, as people want to give their families and loved ones the gifts that they will remember for the rest of their lives.

Credit Scores and Credit History

Credit Scores and Credit History

Everyone knows that there’s a mix of factors that are used to determine your credit score. Moreover, everyone also understands that your credit score is an important number. Your credit score influences whether or not you’ll be eligible for different types of financial products like loans and credit.

Credit Repair for Mortgages

Credit Repair for Mortgages

A house is more than a structure, it’s a place where you build your life with your family and friends. However, economic hardship and poor financial choices can make it seem as if you’ll never be able to afford a house of your own.

Credit Repair for Car Loans

Credit Repair for Car Loans

Everyone needs to have a reliable car in the modern age. So much of what we do requires that we travel distances that are only practically achievable by owning a car. However, recent economic troubles and other factors mean that many people have less than perfect credit. This bad credit history can create serious complications when you need to take out a loan on a new car. We’ll explain what happens when you try to get a car loan with bad credit, why it’s easier and better to get a car loan for people with good credit, and how credit repair services can help.

Credit Repair and Student Loan Forgiveness

Credit Repair and Student Loan Forgiveness

Student loans are the fastest growing source of debt in the United States. More people than ever are going to college, and the cost of college has soared to record levels. This has created a situation where the only way that college is an option for many people is to take out student loans.

Credit Repair and Debt Collection

Credit Repair and Debt Collection

Everyone knows that sometimes bad things happen to good people. Almost everyone has been in a place where they’re having a hard time covering their bills. Unfortunately, this can lead to complications for the future, even if you’re only dealing with a temporary setback. One of the biggest problems that falling behind on your bills can cause is being sent to a collection agency.

Building Credit: Your Child’s First Credit Card

Building Credit: Your Child’s First Credit Card

There are several milestones that parents both look forward to and dread for their children. Graduating from high school means a child is ready to become an adult and go to college, but also usually means they’ll be leaving the house for the first time. Getting a driver’s license means a new sense of freedom, and someone else to run errands, but comes with a host of risks and expenses. One milestone that many parents don’t consider is their child’s first credit card.

4 Steps to Repair Your Credit

4 Steps to Repair Your Credit

Credit and credit scores can be a confusing aspect of life. However, the fact that they are confusing doesn’t make a credit score any less important. Credit scores are used to determine a great many things, from eligibility for loans and lines of credit and what kind of terms you get offered on financial products to things like employment and job offers.

Handling Debt from Medical Bills

Handling Debt from Medical Bills

It only takes one unexpected medical emergency to turn your personal finances upside down. Did you know that unexpected medical bills are the cause of about 2 million bankruptcies a year? Even if you have health insurance, you may experience a condition that is not covered and could wind up costing your family everything. If you have a medical bill that is more than 90 days past due, it will likely be turned over to a collections agency, which is a major ding to your credit score.

How to Dispute an Error in Your Credit Report

How to Dispute an Error in Your Credit Report

It is always a good idea to request a copy of your credit report on an annual basis to check it for any errors. An error in your credit report could be responsible for keeping you from being approved for a loan or being able to buy a home. Some professions even run a credit check for certification of new applicants, which means that an error in your credit report could keep you from getting a job. Each of the three major credit reporting agencies, Equifax, Experian and TransUnion, are required by the Fair Credit Reporting Act to give you a free copy of your credit file every 12 months upon request. Be careful to only order a credit report through a reputable website or phone number so that you do not give away your personal information to hackers.

How to Negotiate with Creditors

How to Negotiate with Creditors

It does not take long at all after falling behind on monthly bill payments for you to start receiving calls from creditors and collections agencies. It is never fun to have to speak with a creditor about the money you owe, but avoiding the situation will only result in more stress and even more complicated financial problems for you. You may be surprised at how you can lighten the burden of some of your major debt by negotiating directly with creditors. While you may not be able to get the entirety of your balance forgiven, creditors are usually willing to entertain a reasonable settlement offer so that they do not have to take a total loss on a debt.

The Truth About Credit

The Truth About Credit

We are aware that we all have a credit report, but we don’t always understand what it all means. For that reason, some myths about credit have been circling around the Internet, and they aren’t exactly accurate. In this article, we will straighten out the mess and find out what is really going on.

Considering Debt Consolidation for Tackling Your Finances

Considering Debt Consolidation for Tackling Your Finances

Debt consolidation is a tool for people looking to refinance their personal debt by taking out one loan to combine everything. One way that people do this is to transfer their open credit card balances to a credit card with a lower interest rate. Another option is to take out a home equity line of credit to pay off all of your other loans at once.

The Process of Repairing Your Credit

The Process of Repairing Your Credit

The list of consequences from having a bad credit score is long and depressing. If you are trying to rent an apartment, buy a house, apply for a loan, get a job or refinance a loan, then your credit score will almost certainly come into play. If your credit score is too low, you may be denied from doing any of those things. In addition, you could pay a much higher interest rate based on having bad credit.

What You Should Know About Credit Repair

What You Should Know About Credit Repair

Your credit score is a gatekeeper for some of your most important life events, such as purchasing a house or financing a car. In order to get access to credit as well as affordable interest rates, it is vital to maintain a good credit score. If you have any negative information reported in your credit file, it can stay there for up to 10 years.

Your Debt Collection Rights Under the FDCPA

Your Debt Collection Rights Under the FDCPA

You might be getting phone calls from a debt collector if you’ve fallen behind on paying some bills. You could even receive these calls if a bank or lender mistakenly believes that you’re behind on payments. These calls can make a tough financial situation feel even more stressful. The good news is that you have protection against poor debt collection practices. Learn more about the rights that the Fair Debt Collection Practices Act gives you.

What Payments and Accounts Affect My Credit Score?

What Payments and Accounts Affect My Credit Score?

Credit scores can have a tremendous impact on your life. Banks use them to make nine out of 10 decisions about lending, according to the Dallas Morning News. They affect your access to employment, insurance and housing as well. Consequently, it’s vital to know what financial accounts can increase or reduce your rating.