Old negative information may not be removed automatically. Sometimes you have to check your reports to make sure outdated information is not reporting.
Credit Privacy Numbers are illegal when marketed as credit repair or to establish a new credit history and score. You can get into more trouble than it’s worth. Building new credit should not involve the possibility of jail time.
When your credit needs improvement a credit fix is important to get the best interest rates, save money, rent an apartment and even open an account at some banks. That’s where credit repair services can help if you don’t have the time to do-it-yourself.
The FDCPA are laws against debt collectors which protect consumers from abusive, unfair, or deceptive practices debt collectors may use in collecting debts.
Credit inquiries can remain on a credit report for 2 years. There are two types of credit inquiries – one impacts your credit score and one does not. The two types of credit inquiries are a hard inquiry and a soft inquiry. A soft inquiry occurs when you pull your own credit report or a creditor pulls your report…
It may seem counter-intuitive to get new credit after bankruptcy but using credit is how you rebuild credit history – get steps to rebuild scores after BK
A goodwill letter to your original creditor can result in removal of past due payment marks.