8:00 AM - 7:00 PM EST

Open Monday - Friday

(800) 979-3707

Call Us For Free Consultation

Facebook

Twitter

Search
Free Evaluation
logo
Free Evaluation
mobile logo
 

resub-11-7 Tag

24 May 2023
Sticky

How can I remove judgements from a credit report?

24 May 2023
Posted by Blog User
in Uncategorized

A Comprehensive Guide to Removing Judgments from Your Credit Report Judgments on Credit Reports When an individual owes money that they cannot repay, creditors may pursue legal action against them in the form of a judgement. A judgment legally confirms the debt owed and allows the creditor to collect what is owed through wage garnishment or bank levies. Unfortunately for debtors, judgments can remain on their credit report for up to seven years from the filing date or until the statute of limitations expires – whichever comes first. This means that even after paying off the debt in full or...

Continue reading
19 May 2023
Sticky

How do I freeze my credit report?

19 May 2023
Posted by Blog User
in Uncategorized

How do I freeze my credit report? Introduction In today's digital age, identity theft is a growing concern that affects millions of people every year. One of the most effective ways to prevent identity theft is by freezing your credit report. Freezing your credit report limits access to your personal information, making it difficult for potential fraudsters to open new accounts or lines of credit in your name. The Meaning of Freezing a Credit Report Freezing a credit report means restricting access to your credit information. Once you freeze your credit report, lenders and other entities will not be able...

Continue reading
19 May 2023
Sticky

How do I obtain my credit report from all three credit bureaus?

19 May 2023
Posted by Blog User
in Uncategorized

How do I obtain my credit report from all three credit bureaus? The Importance of Credit Reports Credit reports are an essential aspect of personal finance as they provide information about a person's credit history. A credit report can help lenders, landlords, and employers to make better decisions about an individual's financial trustworthiness. It offers valuable insight into a person's payment history, outstanding debts, and overall financial health. Obtaining your credit report from all three credit bureaus is essential to ensuring that your information is accurate and up-to-date. What is a Credit Report? A credit report is a summary of...

Continue reading
19 May 2023
Sticky

How do I correct personal information on my credit report?

19 May 2023
Posted by Blog User
in Uncategorized

How do I correct personal information on my credit report? Introduction Your credit report is a vital tool that lenders, landlords and other service providers use to gauge your creditworthiness. This report gives them an idea of how well you manage your finances, including how much debt you have, how promptly you pay your bills and whether or not you have any bankruptcies or defaults. However, this report also contains personal information that could damage your chances of getting approved for credit or services if it's incorrect. Personal information errors on a credit report can lead to confusion, delays and...

Continue reading
19 May 2023
Sticky

How do I remove late payments from my credit report?

19 May 2023
Posted by Blog User
in Uncategorized

How do I remove a collection account from my credit report? Introduction Credit scores are an essential part of personal finance, and every consumer should be aware of how they are calculated and maintained. Late payments on your credit report are one of the most significant factors that can negatively impact your credit score. A late payment is any payment that is not made by the due date. The longer a payment remains overdue, the more significant its impact on your credit score. Late payments can have a severe effect on your credit score as they are reported to the...

Continue reading
19 May 2023
Sticky

How do I request a credit report for a deceased person?

19 May 2023
Posted by Blog User
in Uncategorized

Requesting a Credit Report for the Deceased Introduction The death of a loved one is a difficult and emotional time. Amidst grieving, there are many practical tasks that must be taken care of, including handling their financial affairs. One crucial aspect that is often overlooked is the deceased person's credit report. A credit report contains information about a person's credit history, including loans, credit cards, and payment records. Requesting a credit report for a deceased person is essential to ensure that their estate is settled correctly and to protect against identity theft. The Importance of Requesting a Credit Report for...

Continue reading
17 May 2023
Sticky

How Do You Get a Credit Score?

17 May 2023
Posted by Blog User
in Uncategorized

How Do You Get a Credit Score? The first step to getting a credit score is to establish a credit history with at least one lender that reports your activity to the credit bureaus. This can be done by applying for a secured or unsecured credit card, student loans, or other forms of financing that you can pay back on time.The next step is to monitor your credit regularly and ensure there are no errors on your report. You can obtain a free copy of your report from each of the three major consumer reporting agencies, Equifax, Experian, and TransUnion...

Continue reading
17 May 2023
Sticky

How do student loans affect my credit report?

17 May 2023
Posted by Blog User
in Uncategorized

How Do Student Loans Affect My Credit Report? The Definition of Student Loans Student loans are financial aids offered to students who wish to further their education but do not have the means to pay for it themselves. These loans are intended to cover the cost of tuition, books, and living expenses while attending school. The most common types of student loans include federal student loans and private student loans. Federal student loans are funded by the government and come with fixed interest rates. Private student loans, on the other hand, are offered by banks or other financial institutions and...

Continue reading
16 May 2023
Sticky

How Credit Scores Are Calculated

16 May 2023
Posted by Blog User
in Uncategorized

How Credit Scores Are Calculated Introduction: In today's digital era, your credit score serves as a financial fingerprint, influencing your ability to secure loans, credit cards, or even rent an apartment. But do you know the intricate workings behind credit score calculation? In this comprehensive guide, we will unveil the mysteries of credit scoring, dissecting the factors that shape your score, and offering valuable insights to enhance your financial well-being. The Basics of Credit Scores A credit score is a numerical representation of your creditworthiness, a three-digit number that lenders use to assess your financial trustworthiness. Its significance cannot be...

Continue reading
15 May 2023
Sticky

How do joint accounts and authorized users impact my credit report?

15 May 2023
Posted by Blog User
in Uncategorized

How do joint accounts and authorized users impact my credit report? Introduction Your credit report is one of the most important documents in your financial life. It plays a crucial role in determining your eligibility for loans, credit cards, and other financial products. Therefore, it’s essential to understand how joint accounts and authorized users impact your credit report. Explanation of Joint Accounts and Authorized Users A joint account is a bank account that is shared by two or more individuals. Each individual has equal access to the account and can make transactions without the approval of other co-account holders. Joint...

Continue reading