What is a Judgment? A judgment is a painful court order to pay a debt, and can arise from a lawsuit, a divorce, business dispute or an array of other possibilities. Judgments are public record. They will appear on your personal credit report and can wreak havoc on your credit scores. They can also hurt [...]
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So far Janet Reedle has created 9 blog entries.
Yes! Go with the Credit Repair Company that consults with you before discussing a strategy for your credit repair. No company can tell you exactly what they can do for your credit if they're not aware of your credit history. An honest credit repair company will ask questions about your credit history and will want to [...]
When a consumer applies for credit, a company that is authorized to obtain a copy of the consumer’s report will electronically submit a request for the report. The request must contain specific data about the consumer for the credit bureau to extract the correct report. It is surprising to learn that one of the [...]
Why does each credit report vary by credit reporting agency? When viewing your credit reports you will notice some accounts differ for each of the credit reporting agencies. Some accounts will have different information between the credit reporting agencies while others may not even appear on all three reports. The reason reports differ [...]
When people talk about having bad credit, what they mean is that they have unfavorable credit ratings or unfavorable items on their credit report that makes it difficult or expensive to get new credit. How do lenders get your information? The information is taken for the credit applications you have completed, as well as from [...]
When people talk about having bad credit, what they mean is that they have unfavorable credit ratings or unfavorable items on their credit report that makes it difficult or expensive to get new credit. Where does all this come from? Who keeps track of all this information? Credit reporting agencies are extremely large corporations that [...]
Most credit repair companies use form letters or computer programs and simply plug in one client’s name for another when disputing negative items on credit reports. You cannot expect to get great results since every credit report and every account on a credit report is unique. We employ a knowledgeable and experienced staff that get [...]
While some of the information on your credit report is self-explanatory, some of the other aspects, especially your credit score, are a bit of a mystery to some consumers. Few people know what their credit score is or understand how their credit score calculated. Some are not sure what or how some factors affect their [...]
Co-Signing Loans I read credit reports from Veterans every week where I see late payments or charge offs/collections from a loan that they feel they are not responsible for and cannot understand why it is on their credit report. Co-signing loans is not a good idea. People often assume that they are just doing a [...]