How to fix errors on your credit report
According to a report by the United States Federal Trade Commission, one out of five Americans has experienced errors in their credit reports (at least once). Credit report errors drag your score down hence making you less creditworthy. It is important, therefore, that you know how to fix these errors in order to improve your […]
Things that may be hurting your credit score
Your credit score is vitally important to your future financial success. Indeed, those three little numbers can ultimately determine whether or not you are able to get a mortgage, buy a new car, and what sort of interest rates will be available to you. However, many things can hurt your credit score. Some are obvious […]
How identity theft affects your credit scores
According to a research carried out earlier this year (2020) by javelin, identity theft is still a major threat to business. The research and advisory firm revealed that more than 500,000 identity fraud reports are made each month to the federal trade commission that result to a median loss of $200. What is identity theft? […]
Is it worth paying someone to fix your credit score?
Unfortunately, as millions know, there are many real, long-term risks when it comes to having a poor credit score. A low credit score can cost you thousands and significantly hamper your future. These scores are often driven by financial errors that were made by either reporting companies or the individual in question. There are ways […]
How running a credit report can affect your credit
There are many things that can affect your credit, but one thing that most people worry about are credit checks. Credit checks can affect your credit in some ways. To understand how they can impact your score it is important to understand what they are and the different types of checks. Different Types of Credit […]
How to fix your credit score fast, legally
If you have a low credit score, you know just how important it is to fix it as fast as humanly possible. In many cases, speedy recovery of your credit simply isn’t possible. However, there is good news, as there are a few things you can quickly do in order to quickly and legally improve […]
How long does it take to repair my credit score?
A lot has been said about the disadvantages of having a poor credit score. It not only reduces your chances of getting a loan but also makes the loan terms less friendly. Choosing to repair your credit score does not (necessarily) mean that you are working on your scores directly. It means that you are […]
How to verify a credit repair company
Credit repair services are companies that scrutinize your credit reports and deal with any inaccurate or negative items on your behalf. Credit repair companies are different from credit-counseling companies in that they help you dispute inaccurate information at a fee. If you have a bad credit or you have identified some errors in your credit […]
All you need to know about different FICO scores (models)
FICO scores are the most commonly used scoring models in the United States. In fact, some people just say FICO when they actually mean credit score. FICO was started by the fair Isaac Corporation in 1989 and has continued to be in use until today. There are distinct types of FICO scores available with the […]