11 Credit Myths (and Some Tricks I've Used to Increase My Score
We’ll start with a handful of myths that Experian recently dispelled (they’re one of the largest credit reporting agencies), and then I’ll spill the tricks my wife and I personally used to get our own scores pretty high too http://www.budgetsaresexy.com/2015/09/how-to-improve-credit-score/
Sample credit repair letters that can be sent to credit bureaus, collection agencies, creditors and others when repairing your credit. Get your sample dispute letters, validation letters, ‘pay for delete’ letters, cease & desist letters, goodwill letters, and ChexSystems letters here.
It has never been easier to dispute incorrect information on your credit reports online. You are now able to dispute information to all three credit reporting agencies online. We will provide you with instructions for each reporting agency below. http://www.magnifymoney.com/blog/how-to-complain/dispute-credit-report-online1290777850
Most lenders and creditors write off an account as a bad debt six months after it becomes delinquent. That doesn’t get you off the hook for paying the money you owe, as the debt will appear on your credit report as a charge-off. The creditor can then turn the account over to a collection agency. Although settling an old debt can lower your credit score, it is smart to pay off the debt if you want to apply for a home loan.
3 Steps To Using Secured Credit Cards To Rebuild Credit
By putting down a cash deposit with a credit card company, you can secure a line of "credit" that gets reported to the major credit reporting agencies. Utilize the card to your best advantage and it's pretty much guaranteed to help improve your credit score.