Step 1 Get a copy of all 3of your credit reports from the main credit bureaus. If you find errors, send them to the bureau who is reporting them – in writing. Though some of the credit bureaus will contact your creditors for you, do it yourself as well. Step 2 If you have damaging [...]
Whenever you apply for credit or loan your credit report is going to be one of the biggest factors in whether you are successful or not. What you may not know is that there could be information on your credit report that is incorrect and negatively affecting your credit score. Luckily, under the Fair Credit [...]
If you’re deeply in debt and don’t know where to turn, credit counseling services can help you develop a plan to start reducing your debt and getting your credit history back on firm ground. But before you run out and sign up for just any debt relief service, you need to understand that there are [...]
If you’re looking for a loan but aren’t having much luck due to bad credit history or a poor credit score, you may have been looking for a loan in the wrong place. The large banks and recognizable brand names are the first place most people look, if you have bad credit, you going to [...]
If you’ve been rejected for a credit card recently it may be because your credit score or your credit profile shows you as a risky customer for the credit card companies to take on. This can obviously cause problems for you since credit card purchases and credit card use are a convenient part of everyday [...]
Unfortunately, the information in your credit history is not submitted by you. Creditors who have extended you credit in the past are the ones who are actually sending information that makes up your credit history and credit score. You do have some control however (in fact a responsibility) to make sure that the information on [...]
Once you’ve received your credit reports you may be a little overwhelmed by the information that you see. These reports can contain a lot of financial jargon and numbers. For some, the first question they have is “okay, what do I do now?”. Before we discuss the ins and outs of reading your credit reports, [...]
Whenever you apply for a loan or credit card, your credit history will play an important roll in determining whether or not you get approved. Not only that but the information on your current report will likely be different between the three different credit reporting agencies, who likely to have different information and files. It [...]
