Establishing & Repairing Credit
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If you have no credit history, you will need to establish one, and if you have a poor credit rating, you will need to take steps to improve your rating. The first step is to assess your credit history and your rating by obtaining a credit report; then, take the necessary steps to establish or improve your credit rating. You may need the help of a reputable credit repair agency.
Assessing Your Credit Score
Before you can assess your credit score, you need a credit report. The Fair Credit Reporting Act (FCRA), which is enforced by the Federal Trade Commission (FTC), states that the three na... [more]
Establishing & Maintaining a Favorable Credit History
When you have little or no credit history, applying for loans and credit can be difficult, if not impossible. Lenders like to see a history or pattern as well as a credit score before th... [more]
Debt Management & Consolidation
For one reason or another, many Americans are knee-deep in debt, but they don’t have to remain that way. There is help, but you must be an aware consumer, and be willing to work at... [more]
Repairing a Negative Credit Report
Negative information on a credit report (bad credit) can count against you, although it does not necessarily mean that lenders won’t extend credit to you. Each lender has its own w... [more]
