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" We know how to fight innacuracies within credit reports, and our credit learning center is here to provide you with a wealth of information"
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Do You Know?
Collection Agencies are required by Federal Law to notify you by mail, and give you 30 days to dispute this debt before placing the collection item on the credit report.
You are allowed to receive 1 free credit report from each agency annually, and also if you have been the victim of identity theft, as well as if you have been declined for credit.
Credit 101
Good Credit Habits
It is a good idea to check your credit reports around 3 times yearly at minimum. One good way to stay alert to what is going on with your credit reports at all times is to become a member of a credit report monitoring service.
There are so many credit monitoring services online to choose from. You will find many advantages/disadvantages with each credit monitroing service. The main thing is that you get consistent access to the content of your credit, meaning you can update your credit reports and information in your credit reports in real time. This is extremeley valuable when you are trying to bump up your FICO score a bit to save money on a loan, or if you are doing the same to achieve approval for a loan.
Tips For Keeping Your Credit Scores High
- Pay all of your bill that report to your credit monthly on time
- Keep you balances on your (revolving) credit card accounts under 30%
- Do not apply for credit too many times within a year. That means keep your credit inquiries low.
- Extend your length of credit history by getting family and friends to add you on to their existing credit card accounts as an authorized user. Length of credit history is 15% of your credit score.
