As a credit customer, it’s easy to feel like your credit card company is a dictatorship. Whatever they say goes and you’re lucky you’ve even been allowed to use “their” credit. The truth is, most credit card companies aren’t operated that way at all. As the customer, they actually want to keep you satisfied. You’ll...
Depending on how you’ve treated your credit in the past, it may be scary to check your score. Regardless whether it’s good, bad or downright ugly, knowing is always better than not knowing. Knowing what your credit score is will help you to do the following: Find any possible mistakes or errors. Believe it or...
If you are a recent college grad trying to get on your feet, it’s important to keep your credit in mind. This is actually a great time in your life to start building good credit history. It’s understandable if you’re leery about taking out more debt, but if done strategically you will be able to...
Now that your college career is over and your ‘real’ career is beginning, you’re going to start feeling the pressures of adulthood. While you may be reluctant to take on anymore debt, this is the right time to start building credit. Don’t worry… you can do this in a small, manageable way without racking up...
Everyone has a right to check their own credit report annually. For a free copy of your credit report, simply go to www.annualfreecreditreport.com. This is a wise thing to do as often as possible. That’s the only way you will be able to identify any errors that may be on your credit report. Whether it’s...
While you’re on the mission of improving your credit score, there may be instances where you aren’t seeing a huge impact. Maybe you’re making payments on time and keeping balances low, but for some reason your credit score stays stagnate. When this happens, look at other factors that could be dragging it down. Other things...
If you’ve been trying to get your credit affairs together, yet having no luck there’s probably a good explanation for it. Many times people pay their debts on time and keep their balances low, yet for some reason never see a real increase in their credit score. It’s important to note there are other factors...
If you’ve been making payments on time, yet your credit score is stagnate, there may be other factors to consider. Making payments on time is the biggest factor affecting your credit score, but it isn’t the only factor that affects it. If you make a late payment, it could affect your score by at least...
In Part 1 of What Can You Legally Dispute On Your Credit Report, we covered errors that you should dispute including wrong identity information and other account mistakes. In part 2, we share other things you can dispute: Anything Past 7 Years: Derogatory information can only stand on your credit report for a certain amount...
If you’re wondering what you can dispute on your credit report, the answer is pretty much anything. The most common disputes you can make include: Wrong Identity Information: If you see anywhere on your credit report that shows a wrong name, address, or employment information, that’s grounds for dispute. This could very well mean that...
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