How to Write a Dispute Letter

How to Write a Dispute Letter

The following instruction will take the guess work out of how to write a dispute letter and will help you with step by step instruction on what to include. Federal law gives you the right to submit a dispute and request an investigation when you discover an error in...
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 and how you interact with financial institutions.  In other words, if you have no credit cards or have never applied for credit, you will have...
How to Unfreeze Your Credit Report

How to Unfreeze Your Credit Report

How to Unfreeze Your Credit Report   Unfreezing your credit report is required 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.  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 person’s credit report...
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 claim they show you the credit report, but you really need to look deeper to see it in its entirety. Go to our page: https://thecreditbureau.com/consumers-credit-reports/ ...
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, but you also need good credit history to get approved for 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 Monitor Your Credit Report

How to Monitor Your Credit Report

Using a good 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 any hard inquiries on your credit report, which can flag inquiries you...
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...