Credit Score

Improve Credit Score

Raise Credit Score Fast with These Moves

Updated May 31, 2020 Sometimes we make mistakes that affect our credit score. You may have accidentally missed a payment deadline, or opened a new credit card too soon after the last one. The result is that your credit score is no longer perfect. Rebuilding your score takes time. It takes patience to see the Read more

Why Did My Credit Score Go Down

Why Did My Credit Score Drop? Possible Reasons

Last Updated: May 27, 2020 You know that it’s important to have a good credit score, so you do all the right things. Any mistakes you make are short-lived: you’re always quick to correct them. Despite this, your credit score should be strong, and you have a pretty good estimate of where it should fall. Read more

3 Credit Bureaus

The Largest 3 Credit Bureaus: How They Work

Last Updated: April 24, 2020 Note: During the coronavirus outbreak, the 3 credit bureaus allow you to get credit reports for free once a week! A credit bureau, also known as a credit reporting agency, stores, compiles, and evaluates your credit history. Credit bureaus hold information about your payment patterns, balances owed, and how you Read more

Credit Report Errors

Remove Negative Information From Your Credit Report Wisely

Negative information is never good. On your credit report, it’s even worse. Lenders see it as a legitimate reason to give you a credit card or loan with a higher interest rate. As a result, you’ll end up paying more for using their credit. When you remove negative information from your credit report, you will Read more

Build Credit History

Full Guide to FICO Score Calculating

You’ve probably heard about your FICO score (also known as your credit score). Banks use it; credit card companies use it; sometimes even your landlord and employer may use it. It’s a pretty important number. We may not have the exact method to calculate it, but you can get a pretty fair estimate of where Read more

Credit History

The Right Way To Remove Late Payments From Your Credit Report

Late payments on your credit report can have a knock-on effect when you next apply for a credit loan. Credit scores are there to show whether or not you can meet your payments on time, so it is only natural that if you have late payments in the past it will bring down your credit Read more

Credit Report Errors

Disputing Credit Report Errors: Do It the Right Way

Credit report errors can cause further problems and delays when obtaining credit in the future. You may notice a small mistake on your report but don’t hesitate to have it corrected straight away. If you choose to ignore these mistakes you can run into bigger difficulties in the application process for a new credit card Read more

Debt Collections

4 Ways to Remove Collections From Credit Reports

Debt collections are a result of having unpaid debts for several months. Your creditor will pass your account onto a debt collector and part of their job is to show this debt on your credit report, which won’t be doing your credit score any favors. There are a number of possible ways to have these Read more

Credit Score

Understanding How Debt Consolidation Affects Credit Score

It’s common knowledge that eliminating debt usually results in an improvement of both your credit score and financial situation. To eradicate it, we use what resources we have available. If you possess a significant amount of debt, you may be considering debt consolidation. After all, it sounds like a sensible way to get a handle Read more

Consumer Counseling

Debt Counseling Services: Should You Use Them?

Many people have difficulty managing their financial situation. Overdue bills are a constant source of worry. They live paycheck to paycheck. When someone is in this situation, debt counseling services (also known as consumer counseling services) sound like a responsible choice. They are advertised as a long-term solution to get your finances back on track Read more