Goodwill letters still work even if the creditor says it is against the law to delete a negative item. It is not against the law just keep pursuing.
Credit scores measure behavior in terms of how well you manage credit and debt. Knowing the consequences of certain actions may help keep you on track with your credit scores. There are several components to credit scores but a few key components have the most impact. It only takes a few actions for a credit…
FICO is the largest credit scoring model used by 90% of lenders. Every few years FICO updates its scoring model and the newest version, FICO 9, might actually help consumers with paid collections and medical collections. FICO Score 9, has some big changes in the area of debt collection. The scoring model will not include…
Rapid Rescore is a service used by lenders and mortgage brokers to update or increase credit scores in as little as 72 hours! Credit report errors can be quickly corrected, balances can be updated quickly and new scores generated in order to qualify for a mortgage loan.
The impact on lives of people without a solid credit history or no credit can be profound. Build a solid credit history with or without credit cards.
Ultimate guide to understanding your credit reports. Get the inside scoop on how to spot errors and what items to update, correct or delete.
Authorized user credit is a proven strategy to improve credit scores but there could be drawbacks depending on the primary cardholder’s credit habits.