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 [...]