Written by attorney Daniel Baek, about 2 years ago.
Bureaucracy. According to the National Consumer Law Center’s recent publication, Automated Injustice: How a Mechanized Dispute System Frustrates Consumers Seeking to Fix Errors in Their Credit... more
Written by attorney Robert Stempler, about 2 years ago.
Obtain your FREE credit reports from the Big Three at least once every 12 month period. Federal Law (FACTA) permits individual consumers to order for FREE his or her own credit report from any... more
Written by attorney Robert Stempler, about 2 years ago.
Pay nothing until AFTER the promised repair services are FULLY completed. The CROA could not be more clear: “No credit repair organization may charge or receive any money or other valuable... more
Written by attorney Bert Briones, about 1 year ago.
Have you recently seen or heard a radio, television, or Internet advertisement featuring credit repair services that sound too good to be true? A simple phone call and a promise is often all is takes... more
Written by attorney Dorothy Bunce, 10 months ago.
Do not send correspondence to the Credit Bureau by "Certified Mail." Sure, with a certified receipt you can prove that the Credit Bureau received your disputes, but so what! If they misplaced your... more
Written by attorney Dorothy Bunce, 10 months ago.
FICO is the only company lenders use to analyze your use of credit. Your FICO score is only available at www.myfico.com. Although other companies claim to provide your credit scores, your creditors... more
Written by attorney Dorothy Bunce, 10 months ago.
Advice to repairing your credit after Bankruptcy is: 1. When you apply for new credit, be sure the lender reports your payments to all three credit bureaus, Transunion, Equifax, Experian. 2.... more
Written by attorney Dorothy Bunce, 10 months ago.
To be able to repair rebuild your credit, you 1st have to face any fear you might have about your credit report. Many people look at their report and freak out at the mysterious codes and... more
Written by attorney Dorothy Bunce, 10 months ago.
Those in the business of selling credit repair often only focus on removing negative items in order to improve your credit score. But it isn't enough to just remove negative items, because your... more
Written by attorney Dorothy Bunce, 10 months ago.
Because credit scoring is based on ratios, there is no exact answer to this question. In the worst case scenario, a bankruptcy can drop a credit score by as much as 150 points. A foreclosure can drop... more
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