What is a Charge-Off on your Credit Report?

What is a Charge-Off on your Credit Report?

Below are answers to some commonly asked questions about charge-off notifications on your credit reports. What is a charge-off on your credit report? A charge-off appears on your credit report when a creditor has made all efforts to collect and has been unsuccessful. ...
I Cannot Get a Copy of My Credit Report

I Cannot Get a Copy of My Credit Report

I cannot get a copy of my credit report. Am I a victim of fraud? Why bureaus refuse to give me a copy of my credit report? You may be a victim of fraud and your social security has been compromised. When you provide your name, social and address to the bureaus, they...
Someone Applied for Unemployment in My Name

Someone Applied for Unemployment in My Name

Unemployment benefit scams are on the rise. If you suspect suspicious activity, we recommend the following steps to be taken immediately: Report the fraud to your previous employer. Keep a record of who you spoke with and when. Report the fraud to your state...
How to Write a Dispute Letter

How to Write a Dispute Letter

The following instructions will walk you through how to write a dispute letter to rectify any errors on your credit report. Federal law gives you the right to submit a dispute and request an investigation when you discover an error in your credit report. Under the...
Improving Credit Scores with a Secured Credit Card

Improving Credit Scores with a Secured Credit Card

How A Secured Credit Card Helps Your Credit Report & Score Your credit score is the reflection of your credit worthiness.  If you have no credit cards or have never applied for credit, you will have no credit report and score.  If you just went through a...