Credit Repair

Six Items Or Remarks That Are On The Hate List Of Your Credit Report Score

There are certain negative items and remarks that are not good for the health of your credit report score. They can significantly damage your credit history. That is the reason why experts repeatedly recommend consumers to check their credit reports at least every six months. Dispute must be filed immediately as soon as you find any errors or mistakes. Following is a list of six things that are on the hate list of your credit report. ...Read more>>

6 Things to Keep in Mind while Studying a TransUnion Annual Credit Report

When it comes to personal financial management, an important part of the process is to check the personal and financial information as they appear in a TransUnion annual credit report. You will not be able to review your credit situation thoroughly unless you know how to read the different components of your credit file properly. Following are six things that you must keep in mind while you are studying the report maintained by TransUnion. ...Read more>>

3 Steps to Get the Judgments Removed from Consumer Credit Report

It is definitely possible to get rid of the judgments from your consumer credit report, but it is not an easy and straightforward process. You must be willing to do some hard work. There are plenty of things you need to keep in mind in this regard. You just need that right approach and a strong dose of determination in order to ensure success. ...Read more>>

A Step-by-Step Guide to Filing Dispute for Errors in Experian Annual Credit Report

There are three major credit bureaus that maintain your annual credit report – Experian, Equifax, and TransUnion. When you have to file a dispute for errors in your credit file, you have to file the application separately with every bureau. There are certain steps that you need to follow in this regard. It is advisable that even if you are not having any financial problem, you must review your reports at least once a year. ...Read more>>

Contact Details Of Credit Report Agencies

There are three major credit report agencies in the United States of America, which include Equifax, Experian, and TransUnion. If there is something that the Americans consumers find the most scary thing, that is the monster of IRS (Internal Revenue System). But, as compared to one IRS monster, there are three credit reporting beasts. These agencies also look scary because they have the power to make or break your financial life. ...Read more>>

Does Your Fico Score Reduce When You check your credit report?

If you think that your credit score reduces every time you check your credit report, you are mistaken. This is just a misconception, which unfortunately many people have. As a mattrer of fact, credit checking is a crucial step and the Federal Trade Commission strongly recommends all consumers to check their reports at least once every twelve months. That is the reason why there is even a provision in the US laws that makes the consumers entitled for one free report from each credit reporting bureau at least once every year. Information is thus the key factor. The more informed you are, the better you will be able to use your legal rights and protect your credit worthiness. ...Read more>>

Different Ways To Obtain A TRW Credit Report

A TRW credit report is also known as Experian credit report. TRW is the name of a corporation that runs a wide array of business ventures in the United States of America. Credit reporting is also one of the business venture that TRW is engaged in. Experian is the name of the agency that TRW owns for this task. When it comes to obtaining a report from this agency, there is a certain procedure that you have to follow. TRW offers an array of options for the consumers to request the report from Experian. ...Read more>>

Bankruptcy On Your Credit Report – 5 Things You Must Know

If there is bankruptcy on your credit report, you are into trouble. Though it is true that bankruptcy is a legal remedy for those who are neck deep in debts to get rid of their debt problems and get a chance to start heir financial life afresh, it is also important that the journey of financial recovery after getting bankrupt is not an easy one. This is one of the worst negative items that can appear on a credit report, as it stays there for a period of seven to ten years. You end up having a negative credit score, which means you can no more qualify for loans or credit cards. You may even have to face great difficulty in getting an apartment on rent with bad credit. It can even affect your employment opportunity. However, there are ways to improve your situation, but it is a difficult process and takes time. ...Read more>>

6 Most Common Factors That Negatively Affect Your Credit Rating

Credit rating refers to the report prepared by credit bureaus to help lenders to determine your credit worthiness. If you have a poor rating, you may have to face great difficulty in obtaining loans, credit cards, and even insurance polices. Even if you manage to qualify for one, you are likely to be charged a higher rate of interest on loans and credit cards and higher premium on insurance policies. Your rating depends on how responsible or irresponsible you have been with your finances. There are plenty of factors that credit bureaus take into consideration in order to determine your rating. Following are six most common factors that result in poor ratings. ...Read more>>

A 5-Step Guide On How To Correct Credit Report Errors And Fix An Inaccurate Address

With the introduction of the Fair Credit Reporting Act, the financial lives of consumers can now be protected more effectively and efficiently. Fixing a suspicious address on your report or correcting credit report errors has now become a much easier process. As per this Act, each and every American consumer is entitled to get at least one free report from each of the three major credit bureau agencies (Experian, Equifax, and TransUnion) at least once every year. When you review the details on your report and find out that there is some erroneous information on it, you can get it changed by following a simple procedure. You just have to first verify the information and then send enquiries regarding the same to the credit bureaus. ...Read more>>


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How Changes To Payday Loan Law Can Save Consumers From Debt Traps
Payday lending laws have changed over the last few years to protect consumers from payday loan debt. Payday lenders have received much bad press recently. Often they are called loan sharks. Public hostility ag... Read more

What are the pros and cons of debt consolidation?