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  • Credit Questions & Answers

  • Q: What is a Credit Report and How is it Generated?

    A Credit Report or what is also referred as credit file disclosure provides you with all the information gathered in your credit file or a written file of your credit history. The information written herein is maintained by the Consumer Reporting Agency (CRA) or the credit bureaus. The three national … (more) June 25, 2010

  • Q: How Long a Negative and Positive Record Stays on My Credit Report?

    Every financial information found in your credit report affects your credit score depending on the information listed whether a positive (e.g. long account history) or a negative (e.g. past due accounts) record. An interesting fact is that positive information stays in your credit report indefinitely. This would just mean that … (more) June 22, 2010

  • Q: Am I always eligible for a free credit report and credit score?

    The enactment of Fair and Accurate Credit Transaction Act (FACT) Act which was signed and put into law in December 2003 guarantees every US consumer a free credit report from each credit reporting agencies (CRA’s). In addition, the law underpins new privacy regulation and identity theft protection dispute procedures. This … (more) June 17, 2010

  • Q: Legitimate versus Scam Credit Repair

    If you are one of the very many who are in dire need of a credit solution for bad credit or inaccuracies, then don’t ever fall for scams. Many credit repair companies can advertise like they are the only best thing in the world. However, they are not at all … (more) June 14, 2010

  • Q: How will a credit repair company fix inaccuracies in my credit history?

    The percentage of people who encounter credit dilemmas have been increasing each year. Inaccuracies not only damages bank records, but also the borrower or credit holder has to go through a series of steps to fix the problems. A bad credit history is a no-no; every borrower knows that because … (more) June 11, 2010

  • Q: How can I rebuild my credit?

    Everyone and anyone are at the risk of falling into a financial rut through credits. Such situations entail disadvantages and inconveniences which include difficulty in getting future loans or being denied to get loans at all. Indeed, it may take a long time to regain the trust of creditors and … (more) June 7, 2010

  • Q: What are Important Measures to better manage your Credit Report and Credit Score?

    Being able to read and understand your credit report is important for you to better manage your credit. Your credit score is not the summary of your credit worthiness, so by just looking at your score to gauge your financial health is not enough. On the other hand, understanding every … (more) June 3, 2010

  • Q: How Do I Fix Bad Credit?

    Yes, it is possible to fix a bad credit report. Of course, fixing bad credit does not mean entirely eliminating the consequences corresponding to bad credit or totally reversing the situation. You would still have to deal with them. For instance, you may have extra difficulty signing up for loans, … (more) June 3, 2010

  • Q: Why should I look for the right credit repair?

    The difficulty of looking for credit repair companies comes when they fail to acknowledge rights and push forward profit instead. You need to be vigilant and use credit score tips to avoid transacting with these kinds of credit fix companies. The need for credit repair companies is summoned by the … (more) May 29, 2010

  • Q: Credit repair to answer credit dilemmas

    With credit repair companies popping out like pancakes, people have been in misery just trying to choose at least. Every company says they are the best. Who then is telling it right? Instead of having the credit repair, people give more time in finding the right company. Right move to … (more) May 25, 2010