Something that a lot of consumers don’t know is that they are able to add 100 words of “explanation” to their credit report, this is covered under the fair credit reporting act (FCRA). Experian & TransUnion allow... Read More →
Category - Guides
How To: Remove Negative Items From Your Credit Report
It’s not unusual for an item on an individuals credit report to be incorrect. Getting this information changed and updated can be a hassle, but is well worth doing as it may be effecting how eligible you are for new credit and the... Read More →
How To Improve Your Credit Score In Six Steps
1. Pay all of your accounts on time Payment history makes up 35% of your FICO score. By paying all of your accounts on time your score will slowly increase. Negative items (such as paying late or not at all) will stay on your credit... Read More →
How To Get A Free FICO Score With A Walmart Credit Card
In July of 2011 Walmart introduced a new feature to both their “Walmart Credit Card” & “Walmart Discover Card” and that was the ability for consumers to view their TransUnion FICO score for free. The only... Read More →
How To: Use Lending Club To Find Out Your FICO Score Range For FREE
Lending Club (LC) is a person to person lending website that connects borrowers and lenders (which LC call ‘investors’) together to try and create a efficient market place for loans without the overheads and vast profits... Read More →
How To Get Your Free Credit Report
In November of 2003, FACTA (Fair and Accurate Credit Transactions Act) was passed by US congress and signed into federal law. Among other things this allowed individual consumers free access to their credit report from each of the... Read More →