Credit Repair

Understanding the Mortgage Process: From Pre-Approval to Closing Buying a home can be an exciting and fulfilling goal to achieve, especially if you have fought to overcome credit issues in order to be eligible for a mortgage. Yet the home buying process leaves many borrowers feeling confused and frustrated as well. If you are working […]

Discover the upcoming changes in credit reporting policies by Equifax, TransUnion, and Experian. Tax liens and judgments will soon be removed from credit reports.

If you have never heard of the term “trended data” before, then you need to pay close attention to this article. This somewhat recent addition (relatively speaking) to your credit reports could have a noteworthy influence over your credit scores and, by extension, your ability to qualify for loans and credit cards in the future. […]

Learn why creditors check your credit to understand how your credit reports impact your financial future. Discover the importance of installment and revolving debt accounts.

Discover how credit bureaus handle disputes on our website. Learn about the 30-day investigation process and your rights as a consumer.

Your credit reports maintain a far-reaching influence over many different aspects of your life. The condition of your credit may help determine where you live, how much you pay for housing, your ability to qualify for an auto loan, your insurance premiums, and even your career. Law makers understand the significance of your credit too. As a result the Fair Credit Reporting Act (FCRA) was crafted to help protect you from unfair credit reporting practices.

Today’s question, sent to me by Thomas at RE/MAX in New York: How can my client force their cell phone company to report their positive payment history to the credit bureaus? Answer? You can’t. Well, kinda…. Data furnishers like cell phone companies, credit card companies, collection agencies, etc. pay a fee to the credit bureaus […]

In the Spotlight: The Credit Pros Featured on BadCredit.org Fixing Credit Mistakes with Expertise, Passion, and Affordability The Credit Pros is in the business of credit repair for individuals and businesses. With one-on-one consultations and a pay-per-deletion model, these services personalize assistance for anyone seeking to rid themselves of mistakes on their credit report. The […]

According to the College Board, the average cost of tuition and fees in the US for the 2015–2016 school year was $32,405 at private colleges and $9,410 for state residents at public colleges. With the median yearly wage per person being $26,695, it comes as no surprise that most people cannot afford to pay for […]

The general feeling surrounding most Americans dictates that we collectively carry an immense load of debt, such as student loan or credit card debt. With reports from the CBO warning people that the rising federal debt may choke economic growth within a decade and begin a death spiral that will sap revenue from government programs, […]

The end of 2015 was a bitter-sweet moment for many of us. As we entered the New Year, we left behind a bunch of new memories. Some of us shifted homes, some graduated from colleges, and some found their dream job while others lost it. However, leaving all that behind, it is now time to […]