How to Remove Late Payments from Your Credit Report

If you have late payments on your credit report your credit score is likely suffering because of it. The health of your credit score is largely dependent upon your payment history. There are several different approaches you can take to address any existing late payments and get them removed. But first, find out exactly how…

What are the FICO Credit ScoreĀ® Ranges?

When you’re trying to improve your credit score, it’s important to know how credit scores are categorized by lenders. That way you can determine where yours should be in order to achieve your financial goals. It’s great to bump your score up by 100 points, but if you’re still in the “bad” category, you still…

How to Remove Late Payments from Your Credit Report

If you have late payments on your credit report your credit score is likely suffering because of it. The health of your credit score is largely dependent upon your payment history. There are several different approaches you can take to address any existing late payments and get them removed. But first, find out exactly how…

How to Remove Medical Bills from Your Credit Report

When you’re sick or injured enough to need significant medical care, the last thing you want to think about is how you’re going to pay your medical bills. Even more distressful is just how much medical bills on your credit report can impact your financial future. With medical bills remaining the largest factor for Americans…

How Often Does Your Credit Score Change?

When you’re on the road to repairing your credit report, you’ll probably be excited to see how much your credit score has gone up since you started to make positive changes. Perhaps you’re considering a credit monitoring service to check your progress. Or maybe you’re preparing to apply for a mortgage or car loan and…

Equifax, TransUnion, and Experian – Why Are There 3 Different Credit Bureaus?

If you’ve spent any time looking at your credit history, you’ve probably realized that there are three different credit bureaus: Experian, Equifax, and TransUnion. You might also know that the information contained in your credit reports from each bureau has a strong influence on what type of credit you have access to. From getting approved…

How an Eviction Affects Your Credit

Receiving an eviction notice can be an overwhelming moment. There’s the emotional response of losing your home paired with the practical worry of your financial future. Whether you’re saddled with medical bills or just lost your job, being evicted is usually the capstone to other major life events already taking place. If you’re in this…

Fair Credit Reporting Act Explained

The Fair Credit Reporting Act (FCRA) is a federal law that was passed in 1970 to regulate the rights of consumers and the manner in which their information is used by banks and other entities. One of the primary purposes of the FCRA is to give consumers the right to know the information listed in…

How to Get a Loan with Bad Credit

Everyone needs extra money from time to time, and there is no exception to this fact when you have bad credit. Unfortunately, your options become limited with a low credit score, making it difficult to get a loan even in the case of a financial emergency. Whether you’re wondering how to get a car loan…