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Clean Up Your Credit Report – Improve your Credit ASAP if it’s 600 or less

Don’t consider yourself a safe option for lenders if your credit score is below 600. Reason? let’s take a look at the entire credit rating process for the answer: Your credit score is based on the information that the credit Bearue gets from your of lenders. The main purpose of this rating is to help [...]

How to Remove a Charge Off From Your Credit Report

In the aftermath of recession and the current credit crunch, having a charge off on your credit report can seriously impair your chances of securing the much coveted home loan or automobile loan (despite the fact that these two are mortgaged loans) or any other loan. Any term lending institution will think twice before agreeing [...]

Credit Repair – How To Dispute Negative Credit Items

The goal of a credit repair agency is first and foremost to increase your credit rating. But wait , how will they go about doing this? No it is possible to legally make your accurate bad credit items disappear. Unfortunately inaccuracies do happen and so they can negatively affect your credit rating. Here’s the thing [...]

Remove Negative Credit from Your Report – How Legal Credit Repair Can Increase Your Score

If you are like most individuals, then you are of the opinion that it is impossible to legally improve your impaired credit score very quickly. People rarely, if ever, check their credit reports and only find out that they have a credit rating problem when a loan application is rejected or when our credit card [...]

Fixing your Credit Score – How a Credit Repair Expert Can Help Improve Credit Quickly

Upon initial analysis, it seems quite a challenge to improve your credit score. This difficulty may even increases if you want it done quickly. Maybe you don’t even know that you have a bad credit report in the first place. You might be surprised by it when applying for credit or seeking a loan from [...]

How long does negative information stay in your credit file?

The Fair Credit Reporting Act details how long information can stay on your record.
Chapter 7 Bankruptcy:
10 years from date of filing.
Chapter 13 Bankruptcy:
7 years from date paid in full and 10 years if not paid as agreed.
Judgments:
7 years from date filed.
Foreclosure:
7 years from date foreclosed.
Collection accounts: [...]

Charge Off and Credit – What Happens When Charge Offs Hit a Credit Report

A Charge-off occurs when a creditor declares that your debt cannot be recovered and it is listed as a loss for the company. Many people are under the false assumption that a charge off means that a debt has been cancelled by the creditor. This couldn’t be further from the truth. You are still responsible [...]

How to Improve Your Credit Score

Let us assume you run a small business and receive a letter requesting you to provide information about an employee who last worked with you over five years ago. How hard will you try to find and accurately report all the information that is being requested? Would you even know where to find the answers [...]