Category Archives: bad credit

3 Powerful Tips To Remove Bad Credit


Removing Bad Credit Can Drastically Improve Your Credit Scores Removing unverified bad credit from your credit report is relatively easy.  Along with correcting inaccurate or out-dated information.  Part of the process requires you to dispute or challenge the negative credit … Continue reading

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How To Raise My Credit Score


It’s not impossible, it just seems like it. Coming from poor credit requires action on two fronts.  First it is critical that you use credit.  Over 50% of your credit score comes from positive credit use and recent credit history.  … Continue reading

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Discover What You Can Sue The Credit Bureaus For!


The 4 Most Common Credit Bureau Violations Unfortunately, the credit bureaus, debt collectors and creditors know that it is unlikely that you will sue them in court due to the time and expense. Because of this they can easily (and … Continue reading

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Write A Letter To The Credit Bureaus


100 Words That Can Change Your Credit History Looking at your credit report may be something you’d rather not do, especially if you’ve recently experienced a financial rough patch. However, knowing what’s in it is important, especially if you’re planning … Continue reading

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How Does Credit Card Debt Settlement Affect Your Credit Report?


This question is often asked, and one of the least understood aspects of a credit score. Debt settlement is reported by a furnisher (creditor of collection agency) as “paid settlement” to a credit reporting agency. This is true whether it’s … Continue reading

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How Much Does Poor Credit Really Cost?


Today, having low credit scores is no longer an option!  The chart below gives you a good idea of the monthly costs of having scores below 740 (this score being the current standard to obtain the very best financing typically … Continue reading

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Debt Collectors Will Pay More Than $1 Million to Settle FTC Charges


Claimed Debts Were Owed Despite Consumers’ Disputes A nationwide debt collector has agreed to pay a civil fine of more than $1 million to settle Federal Trade Commission charges that it violated federal law by inaccurately reporting credit information and … Continue reading

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