What is a credit score?

A credit score is a number based on a statistical analysis of a person’s credit file. This score represents the creditworthiness of that person, which is the perceived likelihood that the person will pay debts in a timely manner. A credit score is primarily based on credit report information. Lenders use this score to evaluate [...]

How to repair your Credit Bureau – WITHOUT PAYING!

The Fair Credit Reporting Act (FCRA) was enacted to protect consumers against the reporting of inaccurate, misleading or obsolete information. The FCRA provides a list of rights and procedures you can use in cleaning up any negative marks you may have on your credit reports. Remember you have to do this individually with each Credit [...]