There are many advantages to having a good credit score. Qualifying for lower interest rates, ability to get approved for loans and lines of credit, and paying less on loans for items such as homes and automobiles to name a few.

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.

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.

With the newest version of the FICO credit scoring system, minor delinquencies are now overlooked in calculating creditworthiness.