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      June 18, 2018

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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.

The Myth Of Credit Repair

The ads from credit repair companies pop up everywhere-on telephone polls, in newspapers, on TV and radio, in your email and on the internet. You'll see similar claims over and over. But can credit repair companies be trusted Consumer credit ...

Published:  Sun, 10 Jun 2018 17:00:00 GMT



Avoiding credit repair scams

LAKE CHARLES, LA (KPLC) - Each year, hundreds of thousands of Americans find themselves in financial ruin and many often turn to third parties, like credit repair organizations, for help. But according to the Lake Charles Better Business Bureau, many ...

Published:  Fri, 01 Jun 2018 20:26:00 GMT



Can Credit Repair Companies Really Improve My Credit Report

The answer is maybe -- but they can't do anything that you couldn't do yourself, for free. Anything on your report that's bringing down your credit score is going to stay on, if it's accurate information. So if a credit repair company promises to remove ...

Published:  Wed, 02 May 2018 14:00:00 GMT



How to Repair Your Credit When You're Still in College

If you're in college, you're probably already worrying about getting good grades, covering your living expenses, and repaying student loans when you graduate. So, worrying about your credit score might not be your biggest concern. But it should be.

Published:  Tue, 06 Mar 2018 03:43:00 GMT



Montgomery credit repair company shut down, accused of deception

A Montgomery credit repair company has been permanently closed for deceptive and illegal practices, according to Alabama Attorney General's Office. Attorney General's Steve Marshall's office reached a settlement with Scott's Credit Repair and its ...

Published:  Mon, 30 Oct 2017 21:29:00 GMT



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