Collection Agencies and Credit Report

Collection Agencies and Credit Report

Can Your Remove Collection Agencies fromYour Credit Report? Collection accounts accurately reported remain on your credit report for seven years from the date the original account has gone past due. Paying off the collection account Paying off the collection accounts...
Experian Credit Report for $1

Experian Credit Report for $1

IMPORTANT INFORMATION When you order your $1 Credit report and FICO® Score 8, you will begin your 7-day trial membership in Experian CreditWorksSM. If you don’t cancel your membership within the 7-day trial period‡, you will be billed $21.95 for each month that you...
I was a victim of fraud, and I legally changed my name

I was a victim of fraud, and I legally changed my name

How to change your name on your credit report without impacting it negatively Name change normally happens through the court system Make a copy of your court order and follow the following instructions:  You need to provide the following: Your name and address where...
Changing Personal Info On Your Report

Changing Personal Info On Your Report

Changing Personal Info On Your Report To make changes to your Name, Date of Birth or Social Security Number (SSN) you’ll need to provide the credit reporting agencies valid supporting documentation that shows the updated information. Examples include: Copy of your...
Victim of Fraud? Freeze Your Credit Report

Victim of Fraud? Freeze Your Credit Report

1) Run your reports asap and look for suspicious activity such as address change, name change, new credit cards and new loans that have been opened without your permission. You will also have access to the customer service line if you need help deciphering the...
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 error 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 Fair...
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.  Also, If you just went through a...
How to Unfreeze Your Credit Report

How to Unfreeze Your Credit Report

How to Unfreeze Your Credit Report Unfreezing your credit report is required for you to be able to take out loans, lease a car, purchase or rent a property, or open a new credit card. To unfreeze your report, you will first need a pin from each of the bureaus, which...
Report Your Deceased Family Members

Report Your Deceased Family Members

Please follow the instructions below to report your deceased family members to the credit bureaus.  This will ensure that their social security number is flagged as deceased and no one will be able to use it. The executor of the estate may request the deceased...
How to Remove Fraudulent Items on your Credit Reports

How to Remove Fraudulent Items on your Credit Reports

Have you seen your credit report recently?  And if yes, how? Free apps such as credit Karma provide some information but they are not inclusive.  To remove fraudulent items you need to know what to remove, so we recommend going to our page:...
I am 18 Years Old and Have No Credit

I am 18 Years Old and Have No Credit

One of the toughest times to get a credit card and begin your credit history is when you have no credit at all. The trouble is, you often need a credit card to start building a good credit history. The best way to solve this problem is by getting a secured credit...
Young Adults, College Students and Credit Reports

Young Adults, College Students and Credit Reports

​1-The infamous T-Shirt The first week of college is an exciting time.  Students are away from home and they are exploring their independence. Imagine that when strolling the campus, there is a booth where people are giving away appealing T-Shirts. When you approach...
Credit Reports & Children

Credit Reports & Children

Should Children Have Credit Report? Children and young adults under 18 should not have a credit report and score.  There are a couple reasons they may have a credit report. To find out if your child has one, simply go to the link below and look at their report free of...
How to Unfreeze Your Credit Report

How to View & Monitor Your Credit Report

Using the proper credit monitoring system can help prevent identity theft in its early stages before any serious damage has been done to your finances. A credit monitoring service can notify you of early sign of identity theft such as change of address, and hard...
How to View Your Credit Report For Free

How to View Your Credit Report For Free

The following link provides 3 free credit reports (Trans Union, Experian and Equifax) once a year with no score.  These sites are not hard inquiries on your report and will not impact your score. We suggest running one report every quarter.  That way can monitor your...
How to Freeze Your Credit Report

How to Freeze Your Credit Report

You can simply manage to freeze and un-freeze your credit report using the following links.  You have to freeze with all three bureaus. htttps://www.transunion.com/credit-freeze https://www.experian.com/freeze/center.html...
Credit Agencies Stop Reporting Unpaid Tickets

Credit Agencies Stop Reporting Unpaid Tickets

Local governments and counties will no longer be able to use credit reports as a tool to collect tickets and fines. Cities and counties normally refer traffic tickets and government fines to collection agencies, which in turn report the debt to credit reporting...
Identity Theft-Credit Freeze

Identity Theft-Credit Freeze

Credit Freeze or Security Freeze  Credit freeze is provided by 3 major credit reporting agencies to prevent credits, loans from being approved in your name without your signature. When you put a security freeze on your credit report, you will be provided a personal...
Identity Theft- First Step

Identity Theft- First Step

Identity theft first steps Place a free, one-year credit freeze by contacting the three credit bureaus.  Experian.com/help 888-EXPERIAN (888-397-3742) TransUnion.com/credit-help 888-909-8872 Equifax.com/personal/credit-report-services 800-685-1111 Sign up for IDIQ...
No Credit Score

No Credit Score

Credit Score is created by your credit accounts such as credit cards, bank loans, car loans or appliance purchases from stores. When you don’t have any credit or if you had them but they are old and never been used, then your credit score will not come up and a note...
Really Free Credit Report

Really Free Credit Report

Really Free Credit Report HOW IT WORKS www.annualcreditreport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian and Trans Union. This site provides free credit reports from three credit reporting agencies once each...
Best Tenant Screening Practices

Best Tenant Screening Practices

Best Tenant Screening Practices Review the following best practices for safe renting and to ensure you have protected yourself and your asset from unwanted tenants. 1- Rental Application: Give your tenants the proper rental application. The applicant has to give you...
Establish Good Credit History Immediately

Establish Good Credit History Immediately

Establish Good Credit History Immediately If you have not yet built credit, begin now! Start small. Apply for credit with a local business, such as a department store or bank. They are more likely to have lower credit standards than larger lenders. Before you apply...