Posts Tagged ‘Credit Report’

I Need to Fix My Credit to Buy a Home

Darin Sewell asked: Contrary to popular belief now is a great time to buy a home in America. Interest rates are still low and prices are falling fast. The only thing holding many people back is tighter mortgage lending guidelines.So if you have been denied a mortgage and said to yourself I need to fix [...]

Online Credit Reports – Considering Making a Major Purchase?

Hector Milla asked: To be ahead of the creditors or major shopping outlets that provide 0% interest on purchases it is a good idea to have prior knowledge of your reputation with the big three credit scoring companies of TransUnion, Equifax and Experian. If you are planning a major refurbishment of your property and need [...]

How Long Will Late Payments Be Recorded on My Equifax, Transunion and Experian Credit Reports?

Tony Banks asked: If you’re asking the question; how long do late payments remain on my credit report? You need not worry it’s not peculiar to you alone. This is often asked by a lot of people who like you are interested in knowing what effect it (late payments on your report) will have on [...]

Dispute Bad Credit

Alissa Flow asked: To dispute a negative mark, you need to send a letter to each credit bureau: Equifax, Experian, and TransUnion. The bureaus then have thirty days to investigate your dispute and respond back. If they do not respond back they are breaking the fair credit reporting act.The bureaus will frequently reply with a [...]

Credit Card Problems

Jake Riley asked: Have you been denied a credit card? Most of us have. It’s very common, and it doesn’t always mean that you have bad credit. You can be turned down for a variety of reasons, from having one single collection account reported on your credit report, to not having a high enough income [...]