Credit Repair Tips

To improve your credit score can seem like an impossible task. The scoring model seems to factor in tons of information and makes it seem as if you have no control over your score.This is wrong. You can focus on a couple easy steps and develop a good credit score.1. Remove negative credit items o...

It can be very frustrating when you are being contacted by debt collectors. This can cause you to change your number, move or more.This frustration is ten fold if the debt is not your debt. It is common for a lender to make a mistake and your account to go into collections. Trying to explain that...

Lexington Law is headquartered out of Salt Lake City, Utah. They are a credit repair firm.There are 400 employees 22 of which are credit lawyers. They have been operating for over 17 years and have served 1/2 million people. They dispute negative items on your credit.Is this legal?Yes, credit rep...

If you have a low credit score contrary to popular belief you do not have to just wait seven years for your credit report to naturally repair it self. You can take action today and remove bad credit items from your report.The Fair Credit Reporting Act that was passed by Congress gives you the rig...

To dispute an item on your TransUnion credit report you must use the dispute process. This is done by creating and mailing a dispute letter or hiring a service to dispute items on your credit report on your behalf.You need to know that you must dispute an item with each credit bureau. If you fail...

The maximum amount of time a foreclosure can be on your credit report is seven years. There are false reports that say a minimum of seven years.This information is wrong; the truth is credit reporting is entirely voluntary on behalf of the lenders. A lender can remove a negative mark from your cr...

Credit repair services will often have credit lawyers on their staff. These lawyers are experts on credit laws and this often explains why a service is so much more effective.The attorneys have more tactics to use to remove a listing such as; debt validation, escalated dispute information request...

A credit repair letter is the consumers' method of challenging and removing a negative item from their credit report. This letter is also commonly referred to as a dispute letter.By sending this letter you are telling the credit bureau that the listing is incorrect and should be removed. Upon rec...

Judgments are also called default judgments or credit card judgments. These terms all have the same meaning. You have been found to be legally responsible for a debt. This will happen in a court of law.The lender went to court and filled a lawsuit against you and won their case. This will give th...

For you to remove bad credit items from your credit history you must dispute the credit bureaus. You have two ways to do this.1. Craft a dispute letterThis option will require you to write a dispute letter. In this letter you will need to identify the negative mark and provide and explanation as ...