Ultimate guide to understanding your credit reports. Get the inside scoop on how to spot errors and what items to update, correct or delete.
If disputing negative credit is not your cup of tea, use these techniques to pad your credit report with positive information. Current positive information, like on-time payment history, will help your credit scores.
Voluntary repossession is still a repossession. Repossession of any type is considered very negative and will have a substantial impact on your credit report and credit scores.
Give the FICO scoring system accounts that will improve your scores by adding good credit accounts to counter negative credit. This can be done by opening unsecured cards, no credit check cards and retail cards using the shopping cart trick.
Get weekly free credit reports from all three major credit bureaus – Experian, Equifax, and Transunion during the COVID-19 pandemic. Stay on top of changes, errors, and inaccurate information to protect your financial health.
Specialty consumer reporting agencies like the ones that keep track of banking information, rental history, store returns, medical history, employee screening and more must provide a free report every 12 months upon your request.
Improving your credit score may be easier than you think. Some problems can be quickly fixed to get an immediate increase in credit scores.
Having negative information on your credit reports can feel like a life sentence but there is a credit reporting time limit to most negative credit entries.
Get a free credit report from Experian, Equifax and Transunion you can download and print online immediately. You can also freeze credit reports for FREE. Find out what creditors are reporting about you with a free credit report and correct mistakes or detect identity theft.