Can You Get Items Removed From Your Credit Report Immediately?

Posted on

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 APR - Annual Percentage Rate

What Is APR and How Does it Affect You?

Posted on

It seems that just about everything you purchase these days has mentions of APR, yet there’s not a lot of talk about what these 3 letters stand for, nor how they work. So I’m going to attempt to break it down to the best of my ability. Feel free to add any comments, tips or […]

how to pay off credit card debt

How to Pay Off Credit Card Debt

Posted on

Credit cards can make or break our credit, and with the way the economy is, it can cause piles of debt and a ton of stress. Was it worth it? Probably not. Want to learn how to pay off credit card debt and get rid of the headaches? Follow along as we do our best to show […]

What is a Balance Transfer

Posted on

The term credit card balance transfer comes up a lot these days, especially with new credit card offers, but how do they work and are they good for your credit? Should you take advantage of a credit card balance transfer? What is a Balance Transfer A balance transfer is simply the process of moving a […]

Credit Cards That Help Build Credit

Posted on

Many people struggle with credit, but this is fairly normal in this day and age, especially when you consider the economic issues of today, as well as the lack of financial education available to children and teenagers. With these things considered, there are still ways to build or fix your credit with credit cards. There […]

sites to check credit

6 Sites to Get Your Credit Report For Free

Posted on

Checking your credit report or your credit score doesn’t have to cost you money. There are quite a few free resources that exist to help you check your credit, and most even allow you to monitor your credit for free! What’s the catch? There is no catch. These websites, except for AnnualCreditReport.com, which is free due […]

add tradelines to credit file

How to Add Tradelines

Posted on

What Are Tradelines Tradelines are important for establishing credit, as “tradelines” are simply accounts that appear on your credit profile. For example, if you have a credit card with, say, Discover Card, then you have an existing tradeline with that company (Discover). The more positive tradelines you have on your credit report, the better. But the fact is, […]

Raise Your Credit Score in 90 Days

Posted on

How to Raise Your Credit Score 100 Points in 90 Days Note: this article does not guarantee you will be able to boost your credit score by 100 points in 90 days, but it will give you a good idea of what is possible if you take your time to clean up your credit report […]

Method of Verification Letter – 611 Sample Letter

Posted on

The method of verification is an important step in trying to fix your credit, so I think you’ll agree that it’s important to get the wording of the letter right. We’ll give you an example of the method of verification letter that you can change to your own purposes. Before that however, we will go […]

What is a Soft Inquiry?

Posted on

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 […]