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8 Reasons You Cannot Ignore Bad Credit

8 Reasons You Cannot Ignore Bad Credit

As more companies begin to depend on credit to make decisions about you, bad credit can no longer be ignored. In the past bad credit just had the consequences of not being able to get a credit card or loan; but now, bad credit can leave you without a job. Everything from the insurance industry [...]

What is the e-Oscar Method of Investigation

What is the e-Oscar Method of Investigation

The e-Oscar method of investigating credit disputes may be the reason your credit dispute was verified as being accurate when you are positive a mistake has occurred. Credit reporting agencies (CRAs) have created an automated computerized system of dealing with consumer credit disputes. e-OSCAR enables Experian, Transunion, Equifax, and other consumer reporting agencies to create and [...]

Paid Tax Liens can be Deleted from Credit Reports

Paid Tax Liens can be Deleted from Credit Reports

In February 2011, the IRS announced a set of new policies regarding unpaid taxes in an effort to “…Help Struggling Taxpayers Get a Fresh Start…” One of the changes will directly affect credit reports and possibly raise credit scores. If the taxpayer pays their lien IN FULL, the IRS will withdraw the lien. Normally an [...]

What is the FRCA Compliance Date

What is the FRCA Compliance Date

The FRCA determines how long a negative credit item such as a charge-off can remain on your credit report

Car Repossession and Credit Disputes

Car Repossession and Credit Disputes

Repossessions are seriously damaging to your credit report. In fact, it is one of the worst negative items that can be placed on your credit and can remain for 7 years.

Opt-out of credit bureau marketing lists

Opt-out of credit bureau marketing lists

Experian, Equifax and Transunion are multi-million dollar companies that have shown a steady yearly growth. Keep your information from being their cash cow.

How to Dispute a Charge-off

How to Dispute a Charge-off

A charge-off on a credit report is detrimental to credit scores, especially if it is recent. Learn how to dispute a chargeoff and get it removed.

Should you continue to pay for an unvalidated debt?

Should you continue to pay for an unvalidated debt?

Making payments to a collection agency on an unvalidated debt may be a waste of money if they cannot prove you owe the debt.

Does the statute of limitations re-start when you move to another state?

Does the statute of limitations re-start when you move to another state?

When you move a debt collector can use the statute of limitations in the state where you reside or the state where the contract was signed but that does not re-start the statute of limitations.

Where to start credit repair when you have many negative items

Where to start credit repair when you have many negative items

Learn where to start credit repair when there are many negative items on your credit report

How to Dispute Late Payments

How to Dispute Late Payments

Late payments can zap up to 110 points from your credit score. Learn two strategies to dispute late payments on your credit report.

How to Remove a Judgment from Credit Reports

How to Remove a Judgment from Credit Reports

Judgments can remain on credit reports until they are paid but some judgments may be challenged in court if you were never served with the lawsuit.

How to Repair Credit: A Guide to Improve Credit Scores

How to Repair Credit: A Guide to Improve Credit Scores

The credit crunch has made it difficult for consumers to obtain credit. Bad credit can no longer be ignored. Start here for credit repair steps.

A collection agency re-aged my account what should I do?

A collection agency re-aged my account what should I do?

There are several steps you can take, short of a lawsuit, if you believe an account on your credit report has been re-aged, even though a lawsuit is not a bad idea once you have proof.

What can you do if a company runs your credit report without a permissible purpose?

What can you do if a company runs your credit report without a permissible purpose?

Can a company run your credit with just the last 4 digits of your social security number and does giving them a partial social security number count as permissible purpose.

How to Request Method of Verification for Verified Disputes

How to Request Method of Verification for Verified Disputes

The credit bureaus do not always investigate disputes according to FRCA Rules and in such instances consumers have the right to request the method of verification

Base credit disputes off factual errors in your credit report

Base credit disputes off factual errors in your credit report

Consumers have a better chance at getting inaccurate items deleted from credit report when disputes are based on factual errors.

How to Dispute Duplicate Collection Accounts on Credit Reports

How to Dispute Duplicate Collection Accounts on Credit Reports

Collection accounts can be repeatedly sold from one debt collector to another. There is a possibility each collection agency is reporting on your credit report.

How to Dispute Negative Credit Accounts due to Identity Theft

How to Dispute Negative Credit Accounts due to Identity Theft

Negative credit due to identity theft can be removed with the help of the Federal Trade Commission

Dispute Negative Information Directly with the Original Creditor by using the 623 Method

Dispute Negative Information Directly with the Original Creditor by using the 623 Method

Dispute negative information directly with the furnisher of information forcing them to provide documentation to support the negative information put on credit reports.

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