A mathematical formula is used by the three different credit bureaus located in the United States of America in order to help determine an individual’s worthiness when it comes to credit. This is, in turn, used in order to determine how much money an individual might receive when it comes to a loan or […]

There are a number of ways to get your credit report. One of the easiest and most affordable ways to do so would be to go to www.AnnualCreditReport.com. By using this site, which is backed by the Federal Government of the United States of America, individuals can get a free report from each […]

You may be initially nervous about writing a credit dispute letter. Of course, you want it to sound professional, but you do not want it to come off as pretentious. By using plain language and being honest, you can easily and quickly whip up a respectable and effective credit dispute letter.
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Credit disputes are more common now due to the increase in identity theft and identity fraud. While these occurrences are not at all considered to be mandatory for a credit dispute, they do make up a discernable amount of credit disputes that are submitted and reported. Nonetheless, whether a person is disputing their […]

Credit Counseling is an education service that is provided to individuals interested in learning how to avoid taking on debt that cannot be repaid. In many cases, credit counseling is part of the process for individuals who are trying to establish a debt management plan for themselves. As you receive an education in […]