Credit Reporting Agencies

credit report

How To Get A Free Credit Report & What It Means To You

How To Get A Free Credit Report & What It Means To You If you are applying for a credit card, mortgage, car or personal loan, you should be familiar with the information included in your credit report. You are issued a number, known as a FICO score, which is calculated based on your previous payment history, number of debts with a balance, recent credit inquiries, and balance to available credit ratio.Many consumers are aware that they can obtain a…

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How To Dispute Problems on Your Credit Report

How To Dispute Problems on Your Credit Report

How To Dispute Problems on Your Credit Report While having your own home is an important part of your financial picture, too many people make decisions without thinking things over. Many people have what I would like to call a “pie in the sky” view of life. They tend to think that when things are going well it will always be that way; this is not always the case. Making a mistake with your mortgage is a fast way to…

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Credit Score: Getting Your Bad Credit Rating Repaired

Credit Score: Getting Your Bad Credit Rating Repaired

Credit Score: Getting Your Bad Credit Rating Repaired Your credit score will mean everything in today’s society. It is something that creditors and banks will base on whether you are worthy to get approved for the loan you are applying for and it is also something that will determine your credibility to certain employers and also to landlords.With a good credit rating, you will be able to apply for loans and credit cards easily. It will mean that you will…

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Fraud Alert

Fraud Alert: A New Tool To Protect Your Credit

There’s good news for anyone who worries that their financial information has fallen into the wrong hands. Consumers now have a new tool at their disposal; they can place a “Fraud Alert” on their credit file. Fraud Alerts help prevent anyone from opening new accounts in your name. They act as a red flag on your credit report, visible only when businesses access your file to possibly extend your credit. To place an alert on your account, call one of…

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Good Credit Score

Easy Steps To Maintain A Good Credit Score

Easy Steps To Maintain A Good Credit Score A good credit score can be an asset when you need it most. But if you don’t regularly monitor your credit status, your credit score can become a liability. Have you checked your credit report lately? By law, you are able to obtain a copy of your credit report free every 12 months from each of the three nationwide credit reporting agencies, Equifax, Experian, and TransUnion. The three companies have formed a…

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credit rating

What Is Credit And How Is It Established?

A credit rating is simply someone?s assessment of how well you would be able to pay back money lent to you. Usually, that ?someone? is a credit reporting agency; however, creditors themselves will also make their own assessment, which is usually based on the score you receive from the credit reporting agencies and is determined by requirements that vary a great deal from one creditor to the next. The largest scoring agency determines your “FICO” score. Credit can be established…

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Improve your Credit Rating

3 Credit Report, Discover How To Improve your Credit Rating

This 3 credit report article was written to answer many of the most frequently asked questions, I hope you find all of this information helpful. A 3 credit report can be useful for a variety of reasons. There are three major credit reporting agencies: Experian, Equifax, and TransUnion, and each of them have their own information about your credit, so to get a good credit report, you have to use all 3. Fortunately, you can get a 3 credit report…

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computer identity theft

Identity Theft – Straightening Out Your Credit In The Aftermath

Identity Theft – Straightening Out Your Credit In The Aftermath $1.48 billion, this is the total financial loss due to 1.4 million fraud reports the Federal Trade Commission processed in 2018. Identity theft, debt collection and imposter scam were the most common categories of fraud complaints. More than 167,000 users reported that their information was used to open fraudulent credit card accounts. Last year, ITRC (the Identity Theft Resource Center) predicted data abuse, data privacy and data breaches to be…

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Reliant credit repair is the leading credit repair company in the industry. Our success relies on guiding our clients through their journey to achieve the lifestyle they deserve.

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