How to remove a charge off from your credit report?

A charge off is a negative mark on your credit report that shows that you haven’t paid your credit card bill in at least 180 days. Creditors don’t look on charge offs as a small oops. Instead, it shows that they can’t trust you to fulfill your financial obligations. If you have a charge off … Read more

How to remove a judgement from your credit report?

A judgement is bad news for your credit report and your pocketbook. It’s the court’s formal decision from a lawsuit, and it allows creditors to garnish your wages. Creditors commonly sue delinquent debtors to collect the amount owed. But even a civil judgements from small claims court can appear on your credit report. If a … Read more

How to remove a tax lien from your credit report?

Your credit history shows creditors how you handle debt. but other negative information sneaks onto the report too. This includes information about Federal income tax liens. An unpaid tax lien represents a derogatory mark that will anchor your credit score. Even a paid tax lien will affect your credit score for seven years. But you … Read more

How to remove a repossession from your credit report?

In 2015, banks reposessed 1.6 Million cars in the United States. A repossession devastates consumers personally and financially for years to come. Below we will teach you how repossession affects your credit and how to remove repossession from your credit history. How a repossession affects your credit People with a repossession on their credit report … Read more

How to remove late payments from your credit report?

Late payments give your credit report a black eye. Unlike a black eye, late payments stick on your credit report for up to seven years. What can you do to remove a late payment from your credit report? Below we have four possible solutions. Let time heal your credit report A late payment will stay … Read more

How to remove collections from your credit report?

Are debt collectors hounding you? Do you fear that your creditors will take you to court? Then you need to work on resolving your delinquent credit accounts. You can take action to resolve collections and sometimes remove the collections from your report. Here’s what you need to know about removing collections. You have the right … Read more

How To Get An 800 Credit Score? Do You Really Need It?

Credit scores are extremely important in all parts of our financial lives. A good credit score can ensure not only the possibility to get loans and have a higher credit card limit, but also it enables us to save money. If you have a good standing credit score, there is a high possibility that you … Read more

How to build credit with a single credit card?

What is your credit score? Your credit history influences your ability to take out a loan, rent an apartment, obtain low cost insurance and get a job. Building your credit score is a task that you should take seriously. But you shouldn’t start paying interest to get a credit score. In this guide, we explain … Read more

What is Identity Theft? Are You At Risk?

An expected 211 million Americans will make purchases online in 2016. Millions shop online, every single day. You’re probably one of them. You may have even purchased something today. Did you know that online shopping is just one of the many ways our identity, including financial information, can be stolen? Other “risky behaviors” include buying … Read more

First Time Home Buying: Step By Step Guide

Buying a house is one of the biggest decision you’re going to make in your life. It is important to have a clear understanding of what buying a house entails. Get Your Free Credit Score Searching for your dream home? Find out your credit score first! Learn more First of all, it costs a lot … Read more

Is CPN a Scam or Legit? Let’s find out!

A credit privacy number or CPN for short is a nine-digit number used for credit purposes instead of your social security number (SSN). When you’re signing a credit document, you need to provide your social security number, which can be for some people something they rather not do. In the age of online identity theft, … Read more

Credit Score After Bankruptcy: How To Get Your Debt Under Control?

Filing for bankruptcy is not just a financial process, for many people it’s also an emotional one as well. When you file for bankruptcy, your credit score will be devastated. However, if there’s no other solution to your financial problems, filing for bankruptcy can give you a fresh start. This fresh start, however, is not … Read more

Collection Agency Debt: Impact On Your Credit Score

Credit scores are extremely important, not only for getting mortgages, loans or higher credit card limits, but even if you’re looking for a job. Some employers have started taking a look at your credit score before they even consider to hire you. Because of this, many of us have made it one of our top … Read more

Increasing Your Credit Card Limits – The Easy Way!

Having a credit card limit that suits all your needs is the goal of every credit card holder. Getting a good credit score and having a good credit history are essential for this. To have all of that you have to pay attention to a lot of things. Keep track of your payments; don’t miss due … Read more

Do You Really Need To Know All 3 Credit Scores?

If you’re in the market for a new home, new car, or even a new cell phone plan, understanding the significance of all of your three credit scores is vital. Your credit scores can be your best friend or your worst enemy. Good scores act as keys, opening financial doors for you. Poor scores serve … Read more

How Does a Secured Credit Card Work? All Your Questions Answered.

Secured credit cards serve a very important purpose to those who have them. First of all, they help establish a good credit history. This is especially useful if you’ve immigrated to the US or have gone through a divorce, since your credit in those cases will probably be nonexistent or extremely damaged at least. Secured … Read more

Three Major Credit Bureaus And Their Scoring Systems

Your financial well-being is determined by your credit report and your credit score, but do you know who the companies are that collect your information to provide you with your credit reports and credit scores. Your credit information is housed within three large companies that contain huge databases of credit information, known as credit bureaus … Read more