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      December 15, 2019

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Repair Companies

  1. Ovation Credit Services
  2. Credit Firm
  3. Credit Saint
  4. MSI Credit Solutions
  5. The Credit Pros
  6. Lexington Law
  7. The Credit People
  8. Credit Repair
  9. Credit Assist Network
  10. Pyramid Credit Repair
  11. E Credit Attorney
  12. Credit Repair Consult
  13. Veracity Credit

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Why Good Credit Is Important

 

Top Consumer Reviews Articles

TopConsumerReviews.com provides unique articles that you won't find anywhere else on the internet. These articles are designed to help you make the most informed decisions possible.

Improving Your Credit Score

Improving your credit score is imperative to your financial future. Not only do home loan, car loans and credit card companies use your credit score to determine your worthiness but employers, insurance providers and apartment building owners so as well. If you have a low credit score - improving your credit is imperative.

There are a variety of ways to improve your credit score. Some of these include:

  • Order a credit report from all three credit reporting agencies, or preferably a combined report. You'll be surprised that not all three reports will match identically and you might even find bad information. Pulling your credit reports should be done at least quarterly to continuously keep an eye on your credit and any potential problems that might creep up.
  • Consider hiring a credit repair company to help resolve credit reporting issues. These are professionals who are experts at working with credit agencies to improve your credit score. They will manage all efforts to identify reporting issues, file effective disputes with agencies, and follow through to completion. They are also experienced with credit legalities and the Fair Credit Reporting Act which takes the stress and burden off of you. Before you decide to hire a credit repair company do your research.
  • Start paying your bills on time. Even if you're only a few days late creditors don't hesitate to report these events to credit agencies which can have a major impact on your score. If you're simply in a place where you can't make your payments on time and there's not enough incoming cash flow to cover your payments it's time to contact your creditors and ask for help.
  • Be careful when you close credit cards. Generally speaking an unused card is not a negative factor to your credit unless you have too much open credit. If you do decide to close a few cards make sure you choose those that have been open the shortest period of time so that you don't impact your credit history. Also make sure you request that they are closed with the indicator "closed at consumers request". Credit agencies don't take kindly to credit cards that are closed by a lender.
  • If you're just now getting back on your feet with creditors attempt to re-establish new credit cards slowly yet responsibly. Pay them off on time each month and watch your credit score rise.

If you're troubled with a low credit score it's important to take immediate action to avoid issues with employers, landlords, banks and more. A credit score will not magically improve overnight but will make slow steady progress with your positive efforts.

Are credit repair companies a scam?

That can make credit repair a tempting option for many Americans--but is credit repair a scam? There are a lot of credit repair companies out there, and only some of them offer legitimate credit ...

Published:  Wed, 11 Dec 2019 07:50:00 GMT



Credit360's Founder & CEO Authors a Book on American Credit System

Owner of one of the nation's finest in personal and business credit repair solutions recently wrote a book which is now available on Amazon. MIAMI, Dec. 6, 2019 /PRNewswire-PRWeb/ -- Representatives ...

Published:  Fri, 06 Dec 2019 07:59:00 GMT



Credit Repair Scams

Negative data can be deleted if it is proven to be incorrect or out of date. Legitimate credit-repair firms say they know how to navigate the complexities of credit reporting to find and fix those ...

Published:  Thu, 05 Dec 2019 15:38:00 GMT



Quality Credit Repair Offers Tips for Resolving Debt Quickly

As overwhelming as it may be, it's not impossible to resolve and can be paid off quicker than many might think with the right techniques. Quality Credit Repair's debt relief services have been helping ...

Published:  Wed, 04 Dec 2019 08:14:00 GMT



How Long Does Bad Credit Stay On Your Record?

Factors that would affect how quickly your bruised credit score can start to repair itself include things like the amount of time that has passed since your last missed payment, the frequency of ...

Published:  Thu, 05 Dec 2019 08:40:00 GMT



Tips on Controlling Holiday Spending from Quality Credit Repair

Holiday shopping is often a stressful time for those who are already suffering from bad credit and overdue payments. Quality Credit Repair, the trusted debt relief company of Philadelphia, is offering ...

Published:  Fri, 06 Dec 2019 08:43:00 GMT



No Credit Score: What Happens Without a Credit History?

FICO and VantageScore have different minimum requirements for generating a score. According to Shawn Lane, co-founder and chief operating officer of credit repair company Financial Renovation ...

Published:  Wed, 04 Dec 2019 15:00:00 GMT



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