How do I improve my credit score?” is the first question most of us ask when we’ve been turned down for a credit card or loan. And rightly so: An average to below-average credit score (720 or lower) can keep you from getting credit cards ...

The law allows people who are unfairly labeled as having bad credit to dispute any of the questionable items in their credit reports with the three credit bureaus, Equifax, Experian and TransUnion. Legally dispute negative items on credit reports.

Unpaid medical bills can affect your credit scores. Typically, doctors and hospitals don't report debts to credit report agencies. Rather, they turn their unpaid bills over to a debt collector and it is the collection agency that reports them.

According to FICO, if your credit score is 680, a foreclosure will drop your credit score on average by 85 to 105 points. If your credit score is excellent at 780, a foreclosure will drop your score by 140 to 160 points. ... Foreclosure, short sale or deed-in-lieu: 85 to 160.

This site is for informational purposes only to help individuals better understand programs/strategies that may be available.

Collection accounts stay on the credit report for seven years from the original delinquency date of the original debt, or the date of the first missed payment after which the account was no longer brought current. You may see both the collection account and the account with your original creditor on the credit report.

You can add 24 months of past rent payments to your credit report and build your credit history. The average time to see your results is 2 weeks. We have had clients go from 300 to 699 in less than 30 days. Sign up today!!

Did you know that more than 500,000 Americans declare bankruptcy each year? While unfortunate, it’s helpful to know that you are not alone when it comes to dealing with a bankruptcy. Even after your bankruptcy is discharged, there is the aftermath to contend with as well; namely, repairing your credit

Child support arrears remain on your credit report for up to seven years, unless you make a deal with the child support enforcement agency. An agency may agree not to report negative information to the credit reporting agencies if you pay some or all of the overdue support.

Although judgments can only remain on credit reports for seven years from the filing date, it doesn't mean they're simply going to go away at that time. In most jurisdictions a judgment creditor can have the judgment re-filed or “revived” before it expires, which varies state by state.

It is possible to have a repo removed from your credit report before the 7 years. ... Another thing you can do is file a dispute with the credit bureaus. If the lender can't verify that the repossession is valid or fails to answer the dispute within 30 days, then it can be removed from your credit report.

Many people with tax liens on their credit reports mistakenly believe that the IRS or the state tax authority has directly reported the lien to the credit bureaus. That is a myth. Rather, the credit bureaus themselves proactively seek out tax liens and other public records