Posted on 18 Jun 2018 | 1,755 views
Simulated Credit Score & Credit Score Estimator

The federal government gives us the right to a free credit report once a year. However, there’s no government mandate for annual free FICO Scores — the credit score lenders most often use to approve credit applications. You may be able to receive a free FICO Score by signing up for another subscription service, but that isn’t always a good option.

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Rebuilding Credit »

Posted on 21 Jun 2018 | 1,497 views
Bad Credit Car Loans Minimum FICO Credit Score Needed for Approval

You need to have a firm understanding of the minimum credit score for auto loan — applying for a car loan without such basic knowledge will hurt your chances.

Credit Repair »

Posted on 20 Jun 2018 | 2,833 views
Techniques for Obtaining and Exploiting Personal Information for Identity Theft

Identity theft is a form of┬ástealing someone’s identity in which someone pretends to be someone else by assuming that person’s identity, typically in order to access resources or obtain credit and other benefits in that person’s name. The victim of identity theft (here meaning the person whose identity has been assumed by the identity thief) can suffer adverse consequences if they are held accountable for the perpetrator’s actions.

Rebuilding Credit »

Posted on 20 Jun 2018 | 3,681 views
Bad Credit Subprime Credit Card Lenders

Credit card issuers are ramping up lending to consumers with poor credit but borrowers beware — the terms aren’t always going to be good. Lending to subprime consumers — typically those with a FICO credit score of below 660 — climbed 41% last year, with banks issuing 1.1 million new credit cards to riskier consumers, a four-year high, according to a recent report from credit reporting agency Equifax.

Credit Repair Letters »

Posted on 19 Jun 2018 | 10,927 views
Debt Settlement Sample Letter

Debt settlement, also known as debt arbitration, debt negotiation or credit settlement, is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full.

Credit Repair Letters »

Posted on 19 Jun 2018 | 4,924 views
Where do I Dispute and Correct Errors in my Credit History?

If you find errors or inaccuracies in your credit history file, you will have to submit a dispute letter or request to each of the credit bureaus on which the mistake appears. In some cases you may be able to dispute the error with online forms, but in some cases you’ll have to submit a letter with your corroborating documents.