How to remove late payments from credit reports
How to remove late payments from credit reports – even when you have legitimately earned that late payment notation.
Credit Repair
You have the right to dispute any information in your credit files that you believe is inaccurate. Anything a credit repair company can do legally to fix your credit – you can do yourself. Get started.
Steps to take if a credit account has been Re-Aged
Re-aging credit accounts causes older negative accounts to look more recent which can ruin your credit score and is a serious violation.
Should bad credit be a deal breaker to marriage? How to manage joint credit
Does love really conquer all? What happens when you marry someone with bad credit. Learn how to manage a spouse’s bad credit.
How to Dispute a Credit Card Billing Statement
If you disagree with a charge on your credit card or are unsatisfied with goods or services, dispute your credit card bill to get a refund.
Credit Privacy Numbers Cannot Be Used To Get New Credit
Credit Privacy Numbers are illegal when marketed as credit repair or to establish a new credit history and score. You can get into more trouble than it’s worth. Building new credit should not involve the possibility of jail time.
Overview of the Fair Debt Collection Practices Act (FDCPA)
The FDCPA are laws against debt collectors which protect consumers from abusive, unfair, or deceptive practices debt collectors may use in collecting debts.
How to Repair Credit: A Guide to Better Credit
Ultimate free guide on how to repair your credit with strategies to remove negative credit items and add positive credit to improve scores.
Dispute inaccurate information directly with the source
Go directly to the source (the creditor) to dispute inaccurate credit report items. Creditors must respond to consumer disputes in 30 days.
Goodwill Letters: Do they still work with creditors?
Goodwill letters still work even if the creditor says it’s against the law to delete a negative item. It’s not against the law, keep pursuing
Remove date of charge-offs doesn’t change and cannot be extended
Creditors can choose when to report a charge-off but the remove date of a charge-off doesn’t change, it’s 7.5 years from the last payment.
