As a borrower, the Fair Credit Reporting Act, gives you many rights that play an important role in keeping you informed about your credit. Some of these rights include:
Right to a free credit report every year from the three major credit bureaus.
The Credit Bureaus are under the obligation to make that those reports are as accurate as possible.
The right to walk into any of the credit bureaus offices and demand for a copy of your credit report.
These are just some of the few...Read Full Story
Nancy asks…
How to go about building a good credit score?
I have never owned a credit card, but I realize the benefits of having one and maintaining a good score . Also, I will need one when I start looking for apartments of my own. Does anyone know which companies offer credit cards with low interest rates with possible benefits to college/university students?
Any advice on the matter is welcome, thank you for your time.
Credit-Repair-Guy answers:
Hi Ophelia...Read Full Story
William asks…
Credit Repair: Lexington Law vs. My Credit Group?
I was about to sign up for Lexington Law credit repair , but then I found this http://www.blemishfreecredit.com/credit_repair_firm_comparisons.html today showing another one called My Credit Group .
Has anyone used my credit group ?…never heard of them but they do look better. It’s more expensive than Lexington but seems like they do a little more handholding. I can do it myself but I procrastinate too much and don’t...Read Full Story
Richard asks…
How can I increase my credit score fast?
I need to increase my credit score . My credit score is currently 664. Do you think a bank would even consider giving me a loan on a house?
Credit-Repair-Guy answers:
Depends on you stream of income — amount of down payment etc — but just keep paying you bills on time and in full and work on that down payment!!!
Ruth asks…
Can some one tell me who can help me negotiate my credit and increase my...Read Full Story
Daniel asks…
What are some things I can do to improve my credit score? Tips anyone?
Credit-Repair-Guy answers:
A credit score is based on a 12 month activity. It usually goes up between 5 to 10% per month. All you need is 2 major credit cards. One for everyday use, the other for emergency only.If you pay on time the next 24 months, it should boost it over 660/749 which is good. Excellent is 750/840.
Sharon asks…
What are some tips beside the usual to help...Read Full Story
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The most commonly used credit score is the FICO score, computed by the Fair Isaac Corp., which is considered the industry standard. You have three FICO scores, computed based on information obtained from the three major credit bureaus (Experian ...
However, consumers should avoid using some advertised services that promise “free” credit reports, credit scores or credit monitoring services ... The only way to get a truly free copy of a credit report is by using a service sponsored ...
FICO now has credit reports and information in Spanish
FICO has introduced a new Spanish version of its website, including credit scores, reports, analysis and more, for the some 34 million native Spanish-speaking consumers in the U.S. and Puerto Rico.
According to the New York Times, FICO’s experience at its call centers convinced it that there was demand for broader availability of...
The good news is, with help from a reputable credit repair company, no bad credit score is beyond repair ... Getting started is simple, and there is a free online consultation available via the company’s website.” The Lexington Law reviews also ...
These loans have been crafted for people who are having bad credit scores and looking for the additional financial help. Tagged with several blemished credit status is not an issue to get a loan help with bad credit loans. These loans have been crafted for ...
"We felt it was essential to extend the award-winning resources on myFICO.com to the more than 34 million native Spanish-speaking consumers in the U.S. and Puerto Rico." The FICO® Score is the standard measure of consumer credit risk in the United States ...