How to Remove Public Records from Your Credit Report

What is a public record? Public records are information pertaining to legal matters that have a direct impact on your finances. They list things like paid and unpaid debts, legal liabilities, and your payment history. They tell a creditor if you are a good risk for a loan. When you are taken to small claims…

How to Get Your Free Credit Report

What is a credit report? Most people already know what a credit report is, but let’s go over the basics real quick just in case. Credit reports are sometimes referred to as “credit files” or “credit history”. They are compiled by the three major credit reporting agencies, aka credit bureaus: Equifax, Experian, and TransUnion. What…

How to Remove Collections from Your Credit Report

When you’re trying to fix your credit, having one or more collections can put a huge damper on getting your score on an upward trajectory. While it can be difficult to get collections removed from your credit report, it’s not impossible. The best way to get started is learning about how exactly collections affect your…

How to Remove a Repossession from Your Credit Report

How does a repossession affect your credit? Having a repossession on your credit report can be very damaging to your credit scores. A repossession may contribute to you not being able to get a loan for things like cars, credit cards, home loans, or anything else that requires a credit check. How long does a…

How to Remove a Tax Lien from Your Credit Report

How do tax liens affect your credit? Tax liens have serious consequences and not just for your credit. Unpaid tax liens can lead to tax levies – where the government comes in and seizes your property to satisfy your tax debts. This means you could lose your bank accounts, your car, or even your home…

How to Remove a Bankruptcy from Your Credit Report

Did you know that more than 500,000 Americans declare bankruptcy each year? While unfortunate, it’s helpful to know that you are not alone when it comes to dealing with a bankruptcy. Even after your bankruptcy is discharged, there is the aftermath to contend with as well; namely, repairing your credit. With so many people experiencing…

How to Remove Credit Inquiries from Your Credit Report

How long do hard inquiries stay on your credit report? Inquiries can stay on your credit report for up to 2 years. Each time an inquiry is made, it is recorded by each of the three credit bureaus – Equifax, Experian, and TransUnion. And each time an inquiry is logged, it can potentially affect your…

How to Remove a Foreclosure from Your Credit Report

Despite reported upswings in the housing market, foreclosures continue to be a huge problem for residents of the US. In March of 2013 alone, 1 in every 859 homes in the US received a foreclosure filing. The RealtyTrac database lists over 1.4 million homes that are currently in foreclosure. That’s well over a million families…

How to Remove a Judgment from Your Credit Report

Judgments can have a huge, lasting impact on your credit score, giving you major difficulty in obtaining credit cards or loans. Perhaps you received a judgment from a lawsuit concerning old debt or even a former eviction. Whatever the reason, these public records cause long-lasting damage, even years after the incident occurred. Luckily, it is…

What Is a Good Credit Score?

Despite the impact that a good credit score can have, many people misunderstand what credit scores are and how they are calculated. Your credit affects every aspect of your life in ways that you may not expect. Having a good credit score unlocks lower rates for mortgages, car loans, and some types of insurance as…