by rlafaye | Apr 12, 2023 | Credit
Credit cards are an essential tool for many everyday transactions, from making travel arrangements to paying for goods and services. They are also a key factor in building a good credit score, which is necessary for obtaining loans, mortgages, and other forms of...
by rlafaye | Apr 12, 2023 | Credit
Nearly 80% of all credit reports contain errors of some kind. Recent studies also indicate that about one-fourth of these reports contain mistakes so egregious that applicants could actually be denied credit! But, isn’t disputing derogatory credit complicated or...
by rlafaye | Apr 12, 2023 | Credit
Your NameYour AddressYour City, State Zip CodeDateName of Credit Reporting AgencyDispute DepartmentAddressCity, State Zip CodeRe: (Social Security Number & Date of Birth)Dear Sir or Madam:I am writing to dispute the following information in my file: (Identify...
by rlafaye | Apr 12, 2023 | Credit
Consider these five factors when trying to improve your credit score… Payment History Payment History has a 35% impact. Paying debt on time and in full has a positive impact, and late payments, judgments and charge-offs have a negative impact. Never pay...
by rlafaye | Apr 12, 2023 | Credit
Before we talk about improving your credit score, let’s make sure we’re on the same page regarding what a credit score is. You’ve more than have heard of these three companies at one time or another: Experian, Trans Union & Equifax. These are the...
