Can You Get Items Removed From Your Credit Report Immediately?

Question: Is it possible to get negative items removed from your credit report immediately? Answer: Unfortunately, no. Removing negative items will take time to remove as it will require a few days to get your credit repair letters written (by hand, hopefully), mailed by certified mail, and then opened by the credit reporting agencies that have […]

What is a Soft Inquiry?

Question What is a soft inquiry and how does it affect my credit? Answer Inquiries occur anytime a company decides to do a credit check, or “pulls your credit report”.  These credit checks can involve hard pulls or soft pulls, also known as hard inquiries or soft inquiries. Soft inquiries (“soft pulls”) are caused by […]

What is a Hard Inquiry?

Question What is a hard inquiry? Does it hurt my credit score? Answer There are 2 types of Inquiries that you may see on your Credit Report. One type of inquiry is called a hard inquiry and the other is a soft inquiry. A hard inquiry is a credit check that is made by a […]

What Should I do if my Identity is Stolen?

What Should I do if my Identity is Stolen? If you believe that your identity has been stolen, you need to take action immediately. But before you do that be sure that your identity was, indeed, stolen. First of all, how are you so sure that your identity has been stolen? Did you notice suspicious […]

Do Free Credit Scores Hurt Your Credit?

Question: Do Free Credit Scores Hurt Your Credit? Answer: There's a lot of new free services that exist, and everyone seems to be utilizing them to their advantage, but are they detrimental to your actual credit score, meaning will they hurt your score? In short, no. Many people assume that these services will cost them in [...]

How often should I check my credit score?

Question: How often should I check my credit score? Answer: You should keep a close eye on your credit score/profile to ensure that you don’t have any issues arise, unexpectedly. Things such as hard inquiries that you did not authorize, or even new accounts that do not belong to you. We highly suggest that you […]