Three Major Credit Bureaus

A credit reporting agency is a repository of information that holds an individual’s credit or payment history. An individual’s credit report is created when a request for a report by a lender, credit card company or other authorized party requests it. Credit...

6 Most Common Credit Score Mistakes

A credit score is more than just a number because it’s something that can affect your overall financial health. Whether you’re getting a loan, paying your bills each month, or starting a new investment, having good credit is essential. In the same way that you keep...

5 Factors That Affect Your Credit Score

People right on the brink of adulthood are expected to start learning how to handle their finances properly. Maintaining a good credit score is an essential chapter in that book, right before the one on how to use a swift code to complete international wire transfers....

Credit Repair Laws: Know Your Legal Rights

Throughout the years, Federal Laws have been enacted to protect consumer rights. Knowing these laws can help you with credit repair. Here are the most common consumer rights laws. About the Fair Credit Reporting Act or FCRA The FCRA was put into effect in 1970....

How to Avoid Credit Repair Scams

Credit repair scams are out there and it's really important to know how to avoid them. When you need help with credit, you need assistance from a reputable credit repair company with a strong reputation. Today, we're going to talk about how to stay away from scam...

FCRA Section 609 Credit Repair Method

  To understand how the FCRA Section 609 credit repair method works, it is important to understand that the FCRA was written before the advent of the internet. As such, they require the credit reporting agencies to have physical copies of all documentation to...