Did you get a parking ticket in another state or what about a speeding ticket or other citation?

Having Credit Problems is the furthest thing from fun. People who find themselves mired in those problems only want to find a way to get out and they want to get out fast.

All Credit Reports are Not Created Equal — This means that your interest rate is somewhat dependent on whichever credit report your lender uses. This may not sound significant but a few points could mean the difference between being classified from the no credit risk category to the some Credit Risk category or even the default credit risk category. This could mean having several percentage points added to your loan.

Whenever a creditor views your credit history, it will appear as an inquiry on your credit report. Too many inquiries can lower your Credit Score, which may cause your credit application to be denied.

Fixing your credit score can be very stressful at times and it feels like it’s never ending where the bills keep piling in and it seems like you’re making no progress. While most people tend to just give up and declare Bankruptcy, there are many ways you can fix your credit score and start off where you started when you first grabbed your first Credit Card.