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.
Depending on the credit bureaus to automatically remove outdated information from credit reports is a mistake. The credit bureaus deal with billions of pieces of information daily and sometimes items get left on credit reports that should have been removed years ago. Removing outdated information from credit files is the simplest way to improve your…
Thinking about paying a collection account? Your credit scores may not improve unless you get the collection account deleted with a pay for delete agreement.
A credit fix is important to most Americans and must be done with good results. That’s where credit repair services can help if you don’t have the time or knowledge. Plus get 5 effective do-it-yourself credit fix tips.
Creditors can choose when to report a charge-off but the remove date of charge offs does not change. It is 7.5 years from the date of last payment.
Consumers have the right to request the method of verification when credit bureaus do not properly investigate credit disputes or if you simply disagree with the credit bureaus decision. Method of verification forces credit bureaus to prove how they verified your dispute.