08th January 2009
Late payments are not created equal; a 30 or 60 day late pay will not damage your score much, and can often be removed. However a 90 day or 120 day late pay will cause significant damage to your score.
You can remove a 30 and 60 day late pay from your ...
08th January 2009
If you have a tax lien being reported on your report you score is in serious trouble. You should remove this item as soon as possible.
The first step is to request validation from the bureaus. This is done through sending a dispute letter directly to e...
08th January 2009
If you have a bankruptcy on your credit report you probably feel like there is no way to escape a low score. However you can remove this listing and you can create a positive score for yourself.
There is a lot of inaccurate information that claims a ...
11th November 2008
You can remove a charge off by disputing it. This has to be done directly with the credit bureaus.
A dispute is the consumers' method to challenge the accuracy or validity of a negative mark. There are two methods to dispute a charge off.
1. Compose...
11th November 2008
To delete bad credit from Midland Credit Management you must dispute the mark with the credit bureaus. You can do this by writing a dispute letter or hiring a credit repair company.
If you only have one derogatory item on your credit report I suggest y...
11th November 2008
If you are fixing your credit report you understand how important this three digit number is. It directly impacts the quality of life you can have.
You are judged solely by employers and lenders on this three digit number. This number can prevent you f...
11th November 2008
When you are repairing your credit report it is important to create positive credit as well as remove negative credit. The simplest way to build positive credit is to pay all your monthly bills on time.
This will help you to create a positive payment h...
11th November 2008
There are five factors that determine your credit score. Here they are listed with the approximate value they carry in the credit bureau scoring model.
1. Payment History (45%)
This is the area in which negative listings on your credit report are co...
23rd October 2008
NCO Financial has been in business since the early 1920's. They are headquartered in Pennsylvania.
They collect for accounts related to education, utilities, financial services and others. They are world wide with over 140 operation centers spread thro...
23rd October 2008
A judgment means that you have been sued by a creditor for payment of a debt. This is a court proceeding that finds you legally responsible to pay back the debt.
If you get a judgment on your credit history it will cause your score to do down tremendou...
