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If you read Part 1 on Realistic Steps To Fixing Your Credit Report, then you know that you need to look at a copy of your report and challenge any errors that you see. Now, let’s move on to two other realistic steps you can take in order to fix your credit report. Ask…

A poor credit score can take the groove out of things in your life. Instead of being approved instantly for a loan, you’re treated like an irresponsible person. Even if you were irresponsible at one point in your life, something on your report from seven or eight years ago shouldn’t still haunt you. When…

When you’re ready to clean up your credit report, it can be confusing to know where to start. Depending on how bad it is, you may find yourself struggling to figure out whether you need to call the creditors yourself or just ignore it hoping that it’ll go away. Cleaning up your credit report will…

Part of being financially responsible involves staying on top of your credit report. Your report shows you what’s been reported by creditors and should never be taken lightly. It will include everything from missed payments and account balances to charge-offs and credit inquiries. Gaining access to your credit report isn’t as troublesome as it used…

Everyone is pretty familiar with what a FICO credit score is. But there’s a new credit scoring agency in town, and in the next few years it may replace the FICO score all together. What most people don’t understand is that there are many agencies who produce credit scores. FICO is just the most…