credit reporting bureaus

Credit Scores and 3 in 1 Credit Reports

December 11, 2009

A 3 in 1 credit report is a summary report of all of the information that is found within the separate credit reports that are issued by each of the three major credit bureaus. The 3 in 1 report takes into account the entire financial history of an individual or a group in order to [...]

Read the full article →

Better Credit With Credit Monitoring

December 8, 2009

A credit monitoring service will allow a consumer to keep track of their credit reports and ratings. The service will monitor the information and contact the individual anytime there are changes on the report. This eliminates the need to get hard copy credit reports all of the time and allows the consumer to find out [...]

Read the full article →

Rebuilding Your Credit After Difficult Financial Times

December 8, 2009

Many people experience times of financial hardships, bankruptcies, repossessions and other financial strains. These difficulties can cause havoc with their credit history. When things get better and the situation changes don’t let the stress of the past overshadow the better times ahead. Problems on the credit report can soon become a thing of the past. [...]

Read the full article →

Credit Repair And Three Surprising Benefits

December 8, 2009

When an individual tries to get a loan for a house or an automobile they are usually aware of how important their credit report and credit score can be. A lender can charge a higher rate or even deny credit altogether based upon what is showing on the credit report and the credit score. However [...]

Read the full article →

Credit Codes And Credit Reports

December 4, 2009

When you receive a copy of your credit report you will notice that there are a variety of codes pertaining to your specific credit. Each credit bureau has their own codes and the code is an indication of a violation that has dropped your credit score. Each violation reduces your score by a certain number [...]

Read the full article →

Questionable Debts And Debt Validation Letters

November 30, 2009

If a debt collector is hounding you about a questionable debt, under the Fair Debt Collection Practices Act, you can request the debt collector to send proof of the debt. This process is referred to as debt validation. See the sample debt validation letter at 724credit. Tweet

Read the full article →

The Damage Is Done…How Common Credit Mistakes Affect Your Credit Score

November 30, 2009

Most people are fully aware that a late payment or maxing out their credit cards can do some damage to their credit. However, it has long been mysterious as too how much damage, as in how many points the score will drop with each mistake. But recently, FICO has released a “damage points” data that [...]

Read the full article →

Fatal Credit Errors

November 25, 2009

I recently read an article about credit scores. There was some decent information except that it claimed that the 700+ scores were only for people who had never had a problem “ever”! Well, “ever” is a long time! A long, long time! Besides that how frightening is it for the individual who messes up and [...]

Read the full article →

Should You Repair Your Credit Yourself?

November 24, 2009

You absolutely have the right to repair your credit yourself. You can issue disputes on any questionable items for free and the credit bureaus will even provide the forms on their website to expedite the process. You do not need the assistance of a professional credit repair service. Repairing your credit yourself may seem like [...]

Read the full article →

The Truth About Free Credit Reports

November 23, 2009

While a funny jingle may play out in your head and help you to remember that you can get a credit report for free, you may want to think twice about getting that report from the people in the commercial for freecreditreport.com Because (big surprise!!) it’s not free!! Nope. Not free! Over 11,000 people have [...]

Read the full article →

← Previous Entries

Next Entries →