Category Archives: Credit

Beware Credit Repair

Consumers wishing to improve their credit will often hire a lawyer or a credit repair company to help them get the job done. This is something you have to really be aware of because a lot of creditors will consider this unwise simply trying to hide or argue claims that you are completely responsible for.… Read More »

The Dispute Process for Your Credit Report

If you have poor credit one of the first things that you should do is look for any inaccuracies. When you look for inaccuracies you should make sure to highlight them and then follow a very simple dispute process. This dispute process is not something that will be complete over night, but it will work… Read More »

Consumer Rights

Thanks to the Federal Fair Credit Reporting Act you have certain rights that are protected. You are allowed under this Act the following. -To take legal action against the credit bureau if they either knowingly or unknowingly violate the laws it must abide by. -You can request and have that request upheld to keep your… Read More »

Credit Report Information

So you have heard about your credit report but have you ever wondered what exactly it is and what it means to you? How do you find out about it and what can be done about it if things don’t look so great? These are all good questions when learning about your credit report. To… Read More »

Letter Statements to Use with Credit Disputes

If you are disputing something that you have found on your credit report you will find that some statements or phrases are more effective when communicating with the credit bureaus than others. The way you speak to the credit bureau will definitely affect the level of responsiveness that you receive and how quickly your dispute… Read More »

Credit Counseling

Credit counseling is often equated with debt consolidation, though they are not necessarily the same thing. There are basically three ways that the credit counseling term is used. First, it can be the same thing as debt consolidation. Many companies use “credit counseling” as a nicer way to refer to debt. A second way that… Read More »

Credit Bureaus

As previously mentioned, there are 3 major credit bureaus which are Experian, Trans Union and Equifax. All three credit bureaus are actually companies that are publicly traded on the stock market. This means you can actually own shared in them if you wish. They keep a record of who has give you credit and the… Read More »