Mike Clover asked: Your credit score report can be affect by more than your available credit history. We talk about how credit cards, mortgages, car loans, and any type of loan that reports to all 3 credit bureaus will affect your credit score. We don’t always talk about utility companies and how they can have [...]
Tarron Acuff asked: The three major credit bureaus are Equifax, Experian, and keep information on your credit history. If you don’t have any credit it should say is that the report does not exist because no credit has been established. If they do have credit established, it will tell you what is on your report. [...]
Tim Bock asked: Many times people are unaware of exactly what’s in their credit report, let along if there’s a collection account in there. There are usually 1 or 2 reasons why a collection account may exist.- The account went to collections – Mistaken identityFortunately it’s not the end of the world. There are steps [...]
Justin Hutto asked: NCO Financial is a collection agency. They work with financial services, healthcare, utilities, education and more.They have been in business since 1926. They do both first party and third party collections.They are located in 9 different countries with over 140 operation centers. They are headquartered in Horsham, Pennsylvania.They claim to be customer [...]
Marc Marseille asked: A 3 credit bureau report can be useful for various reasons. There are 3 key credit bureaus: Experian, Equifax, and TransUnion, and each of them have their own knowledge about your credit, so to obtain a good credit score, you need all three.Several financial institutions require a good score with all 3 [...]
Samantha Monroe asked: People who are keen on maintaining high credit score know the importance of a credit report. Having a very detailed credit report is the first step towards ensuring your credit score remains high.Getting a detailed report from any of the bureaus may cost you some money. If you are really serious about [...]
Hector Milla asked: There are three credit reporting bureaus which although do similar business, may come up with varying reports. Different individuals and professionals work in the firms and thus it’s expected that their conclusions even on similar things is different. With this in mind, a consumer would therefore be better off if he considered [...]
Matt Douglas asked: If you have a tax lien on your credit report, you should take immediate action to remove it. This is a very bad mark and will lower your score considerably.The first step is to have the bureaus validate the lien. You need to send each bureau a dispute letter. Once your letter [...]
asked: Marcus
Debbie Dragon asked: There are attorneys and credit repair “clinics” that claim to be able to remove negative items from your credit file. The service is costly, with some providers charging up to $3,500. It sounds great, in theory, because what’s a few thousand dollars for repaired credit? The trouble with this service is consumer’s [...]