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 history is practically unavoidable. It is an integral part of everyday life. Whether you are making a big purchase like a home or car, or applying for a credit card.
If you’ve resolved to raise your FICO scores in 2017, you need a game plan — here’s how to get started.
Not knowing what’s making your credit score poor will keep you from fixing it. The good news is bad credit can be fixed with some tweaking and effort.
You may be paying your bills on time but these five actions could bring your credit score down.
It is not a big mystery that some financial activity will drop your credit score more than other activity but you may be surprised at what hurts your credit score.
Payment history accounts for 35% of your credit score. A late payment is very damaging to your credit score and should be avoided at all costs.
The main habits to achieve excellent scores are to keep credit card balances low and consistently make payments on time, even if it’s just the minimum.
You can change your credit score legally and quickly by knowing how credit scores work.
You’ve been working diligently to improve your credit scores. After a few months of paying down balances, removing derogatory items like collection accounts or charge-offs your score increase is miniscule. Even worse, your credit scores start to decrease when derogatory accounts are removed. Well, welcome to the confusing world of credit scoring. Just know you…