Getting a credit card when you have poor credit is more so about improving your credit score than it is about having more purchasing power. Here are credit cards specifically for people with poor credit: OpenSky Secured Visa Credit Card: This credit card has a 5-star rating from consumers who use it. Use it to...
It may be the most wonderful time of the year, but the last thing you want to do is spend recklessly. Most people go into serious debt around this time and ruin their credit scores. Here’s how to maintain good credit during the holiday season. First things first, if you use a store credit card...
When it comes to your credit report, the federal Fair Credit Reporting Agency limits who can access your information. This is for privacy reasons. Here is a list of places who can gain access to your report under certain circumstances: mortgage lenders landlords judgment creditors collection agencies employers government agencies car insurance companies utility companies
If you have negative information on your credit report, you aren’t doomed with the bad report. You can explain some of the negative information so that when creditors see it, they have a better understanding. All you have to do is attach a statement to your credit report that explains why the negative blotch is...
If you’ve got late payments, or charge offs on your credit report, those are considered negative information. Normally, that information will stay on your credit report for at least 7 years. In some cases, it will stay on 10 years, if you’ve gone through bankruptcy. Not all information is negative. Good information stays on your...
Your credit report is a record of your credit history. If you’re wondering how information gets on your credit report, it’s simple. Every month, lenders submit updates about your credit profile to one or more of the three credit reporting agencies. Not all lenders send info to all three companies, therefore not everyone will have...
If you’d like to place a freeze on your Equifax credit file, you can do so either by mail, phone, or online. There is no fee for adding, lifting, or permanently removing a security freeze from now through January 31, 2018. Any freeze activities after January 31, 2018 may be subject to the fees provided by your state...
If you file a dispute on your credit report, whether it be online or by mail, and the investigation did not resolve your dispute, you can send in a 100 word statement to your report. If you wish to obtain documentation or written verification concerning your accounts, you will have to contact the creditors directly....
When you submit a credit dispute to Tranunion online, it takes up to 30 days to conclude the investigation. You’ll receive a response by email that includes the results of the investigation. Not only is this the fastest way to get results, it’s also the easiest way. You will be given access to the results...
Because inaccurate information can sometimes pop up on your credit report, it’s important that you dispute any inaccuracies to Transunion immediately. At your request, Transunion will initiate an investigation on the inaccuracy disputed by you. The company can also make any changes on your credit report on their own if they deem you are accurate....
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