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 [...]

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 [...]

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 [...]

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

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.

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

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.

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

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.

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

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

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.

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.

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.

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.

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

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

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.

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

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