If you have been using credit irresponsibly and finally decided to do something about it, you can start by getting a few secured credit cards to rebuild your credit history.

Writing a quality credit dispute letter will help you get the results you want to improve your credit score. There are many samples available on the Internet, but you have to ensure that they contain certain elements before you copy and use them. Here are some qualities of a successful credit dispute letter and advice on including them in yours.

If you’re nervously waiting to see if that mortgage loan you have applied for will be approved, here is what the bank is basically looking at — Your 4 C’s.

It’s very common for credit reports to contain errors. Anything from inaccurate late payments to accounts that aren’t yours or maybe even a falsely reported bankruptcy could mistakenly end up on your credit report. Because so many businesses use your credit report to make decisions about you. It’s important that your credit report is accurate.

Watch out delinquent parents, your credit history can be checked by agencies that enforce child support payments. While the inquiry itself will not count on your credit report, failing to make your court-ordered child support payment can.