Credit Scores

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....

Transunion is one of the major three credit reporting agencies in the country. From time to time, you should check your credit report for any inaccurate data on your credit report that will adversely affect it. Inaccurate or derogatory information can not only lower your credit score, but may even indicate fraudulent activity. They should...

If you currently have a security freeze on your Equifax credit file, there are a few ways you can remove it. First, you can ask that the freeze be removed temporary for a specific lender, Another option is to ask for a date range lift. That means you ask that the freeze be removed for...

Have you ever heard of a file lock? A file lock is something Equifax offers that is very similar to a security freeze. This will allow you to access your credit report, but lenders may not access it without you unlocking it. So, if you want to open a new account, you’d have to first...