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Dispute inaccurate information directly with data furnisher

In June of 2009, the FACT Act Furnisher Rules were passed by federal banking agencies and the Federal Trade … [Read More...]

why credit applications are denied

Top 5 Reasons Your Credit Application was Denied

A denied credit application can be shocking if you were counting on making a purchase, whether it is a major … [Read More...]


Who should get a Pay for Deletion Offer

Question: Hello I just found your pay for deletion sample letter and I plan to use it for two accounts of my … [Read More...]


Tips to get a bad credit mortgage loan

As of February 2015, mortgage rates are still at record lows. In fact, mortgage rates are below 4 percent … [Read More...]

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Personal Loan: Help Rebuild Credit History

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FICO vs. FAKO: How to Get Real FICO Credit Scores

There may be multiple credit scoring systems but there is only one FICO credit scoring system. The FICO score … [Read More...]


How to remove outdated information from credit reports

Depending on the credit bureaus to automatically remove outdated information from credit reports is a mistake. … [Read More...]


What is a Good Credit Score in a score range from 300-850

A credit score is a number based on several different pieces of credit data in your credit report. Credit … [Read More...]


5 Reasons to get a FHA Mortgage Loan

For many people owning a home is their greatest asset. It’s important to understand the mortgage loan process … [Read More...]

bank account closed for fraud

How to Dispute a Fraud Notation in ChexSystems

Question: I want to know what I can do to remove my information from Chexsystems if I was reported to … [Read More...]


How to Get a Pre-Approval Letter for a Mortgage Loan

When in the market to purchase a home one of the best things you can do is to get pre-approved for a mortgage … [Read More...]


Beware of Misleading Debt Elimination Schemes

The promise to wipe out your debt may seem like a dream come true as living debt free is the goal of many … [Read More...]

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What is the FCRA Compliance Date aka DOFD

The Fair Credit Reporting Act (FCRA) Compliance Date determines how long some negative credit items such as … [Read More...]

what consumers with high credit scores do

5 Traits of Consumers with Perfect Credit Scores

If achieving the highest credit score possible is your goal or if you want to get as close to perfection as … [Read More...]


How Income Affects Your Credit Score

First, income is not a factor in credit reports and does not affect your credit score. You can be … [Read More...]


Can a collection agency pursue a debt older than 7 years?

Unpaid debt never goes away. But once an unpaid debt reaches the legal statute of limitations a creditor or … [Read More...]


Settle debt with collection agencies for pennies on the dollar

Before you pay one dime to a collection agency, try negotiating a better deal. Everything is negotiable. Never … [Read More...]


Creditors or collection agencies cannot restart the deletion time

A charged off account remains on your credit report 7.5 years from the original delinquency date that led to … [Read More...]


5 Quick Fixes to your Credit Report that can raise scores

Tackling bad credit can seem like a huge, never-ending task. But certain negative items hurting your credit … [Read More...]


How to get out of debt with 7 simple tips

Let’s face it, debt is stressful and the sooner you begin to make changes to get out of debt, the better your … [Read More...]


Avoid being a victim of Phantom Debt

If you have ever been contacted by a debt collector regarding a debt you are sure is not owed, you are not … [Read More...]


6 Strategies to Fix Your Credit Report

The main goal in fixing your credit report should be to remove negative information while adding positive … [Read More...]


5 Little known items that can appear on your credit report

Consumers normally think of credit cards, mortgage and auto payments and collection accounts comprising the … [Read More...]


Top Factors Keeping your Credit Score Low

Have you ever received a denial of credit letter with reason codes you did not quite understand? If so, you … [Read More...]

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Online Checking Accounts that do not use Chexsystems

Online banking is gaining in popularity. It is convenient, hassle-free and safe. Not having a bank account is … [Read More...]