Three Credit Repair Scams and Myths

There are many credit repair scams and myths out in the world right now. Besides the common scam of using a person who isn't even licensed or certified to help you (always search Illinois licenses before you choose), there are some other scary ones...

Valid Reasons Why You Should Understand and Read Your Credit Report

Prior to making a large purchase that will require financing it is smart to get a copy of your up-to-date credit report. A credit score and credit report can actually make or break your potential purchase and since the majority of credit reports do...

You May Need To Repair Your Credit Eventually

Scenarios like this one play out in the United States everyday. You are ready to buy a car. You are planning to finance it so you allow the dealer to run your credit report. He comes back and tells you that he cannot give you...

Mistakes That May Be On Your Credit Report

I check my credit report regularly, and I hope you do too. I haven't found a mistake on my credit report in years, but when I first started checking it (back when I was just a teenager), I found a very significant mistake on...

Fundamental Recommendations For Credit Repair

A high credit score is crucial for your financial life. In order to get any type of credit you need to have a good credit score. A good credit score will affect the interest rate that you get as well as whether you can...

Myths And Truths About Credit Repair

In 1970 the Fair Credit Reporting Act or the FCRA was enacted. This law gives consumers the right to dispute any item showing on their credit report that may be inaccurate, incomplete, untimely, misleading, unverifiable, biased, ambiguous or unclear. This includes foreclosures, charge-offs and bankruptcies. The...

Should You Dispute Bad Credit?

As young adults, we are taught many things. But one lesson most of us are not taught is something that will ultimately affect our entire lives. Unless we learn the importance of earning and maintaining a good credit score, life can end up really hard....

Avoiding Fraud In Credit Repair With Guidelines From The FTC

Many people have been struggling with bad credit lately. Therefore many more people are looking at credit repair solutions for their problems. As of late there have been many more credit repair organizations cropping up but not all of these are completely honest. Some...