Credit Privacy Numbers Cannot Be Used To Get New Credit
Credit Privacy Numbers (CPNs) are illegal when marketed as credit repair or to establish a new credit history.
Credit Repair
How to improve credit scores with a goodwill letter
A goodwill letter to the original creditor can result in removal of past due payment marks.
Car Repo: Damage to credit doesn’t change when you reinstate a car loan
When you reinstate a car loan, it does not change derogatory marks on your credit reports that led up to the car repo.
Inquiries without a permissible purpose can be removed
Credit inquiries can be removed if they were done without a permissible purpose. The FCRA gives you the right to dispute credit inquiries.
How to remove late payments from credit reports
Learn the strategies to remove late payments from your credit reports by disputing with the credit bureaus or direct with the creditor.
The Removal Date of a Charge-Off Cannot Be Changed
Charge-offs typically remain on your credit report for seven years from the date of the first missed payment that led to the charge-off.
Can a charge-off account be reported as open
If a charge-off has an open status it’s most likely a mistake.
What to do when a deleted credit item is re-inserted
Get three actions to take when the credit bureaus reinsert accounts that had been previously deleted through the dispute process.
Re-aging a credit account on credit reports is illegal
Re-aging of a debt essentially turns back the clock on when a debt is scheduled to drop off your credit reports.
