11th December 2008
To improve your credit score can seem like an impossible task. The scoring model seems to factor in tons of information and makes it seem as if you have no control over your score.
This is wrong. You can focus on a couple easy steps and develop a good ...
11th December 2008
To dispute a bad credit item on your TransUnion credit report you must use the dispute process. This is done by hiring a service or creating a dispute letter.
You need to know that you must dispute an item with each credit bureau. If you fail to do thi...
11th December 2008
You do not have to just wait for negative marks on your credit report to fall off. You can remove them and improve your credit score.
The Fair Credit Reporting Act that was passed by Congress gives you the right to dispute any item on your report. This...
11th December 2008
When you are being contacted by debt collectors it can be very aggravating. It can cause you to change your number, change your job, and even move.
This frustration is ten fold if the debt is not your debt. It is common for a lender to make a mistake ...
11th December 2008
Lexington Law is a professional credit repair service. They are headquartered out of Salt Lake, Utah.
There are 400 employees 22 of which are credit lawyers. They have been operating for over 17 years and have served 1/2 million people. They dispute ne...
10th November 2008
In order to remove derogatory items from your credit report you have to dispute the credit bureaus. There are two options to do this.
1. Write a dispute letter
You must write a dispute letter. In this letter you have to identify the listing you want...
10th November 2008
A foreclosure can only be on your credit report for a maximum of seven years. There are inaccurate statements that say a foreclosure must be on your report for a minimum of seven years.
This is wrong. Credit reporting by lenders and creditors is entire...
10th November 2008
The reason credit repair services are effective is because they employ attorneys. These attorneys specialize in credit legislation.
The attorneys have more tactics to use to remove a listing such as; debt validation, escalated dispute information requ...
10th November 2008
A judgment, default judgment, and credit card judgment all mean the same thing.
A judgment means you have been found legally responsible for a debt. This finding has happened in a court of law.
Your creditors' attorneys went to court and filed a law...
10th November 2008
A credit repair letter is how you challenge negative items on your credit report. This letter is also commonly called a dispute letter.
By sending this letter you are telling the credit bureau that the listing is incorrect and should be removed. Upon r...
