Goodwill Letters: Do they still work with creditors?
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.
4 Actions you may not be aware of that cause low credit scores
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…
New version of FICO is better if you have paid collections (FICO 9)
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 Re-Score Negative Information in your Credit Files!
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.
Build a solid credit history with or without credit cards
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.
What hurts your credit score: 7 Top Score Killers
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.
FICO vs. FAKO: How to Get Real FICO Credit Scores
FICO Credit Scores are used in over 90 percent of U.S. lending decisions. Credit Scores from sites like CreditKarma offer VantageScores which means your FICO Scores likely have more influence in your financial life.
Understanding Credit Reports and Scores: Get the scoop on what items to delete
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 can be an immediate way to boost credit scores
Authorized user credit is a proven strategy to improve credit scores but there could be drawbacks depending on the primary cardholder’s credit habits.
4 Reasons to check your credit score regularly
Credit scores are subject to information being reported by your creditors, find out 4 compelling reasons to check your credit score regularly.
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