Credit & Credit Repair

About 42% of Americans have a sub 680 credit score, and that was last check. So what about those with tarnished credit? What about those with credit that is in the process of healing? How do you build credit when you have collections and accounts with bad history on your credit report?

The FCRA says that anything that is inaccurate on your credit report can by disputed, however anything that is not inaccurate cannot be disputed. You want to be careful though, you do not want to dispute everything on your credit report if it can be avoided. By disputing everything [...]

The 1st thing you should review for accuracy when you get your credit report is:

Name
Address
Phone (if listed)
Place of Employment (if listed)

Credit Score *should be at the top or towards the top)
 

Tradelines:
 
You will see the name of the creditor, and under (or next to that) you’ll see your account number. Very close to the beginning [...]

Before I get started here, I want to share something i found today.

Now in 15 years of working as a bill collector, I have seen a ton of companies come and go. This company is the most legit company I have seen out there. They will do everything for you, legal advice, discuss your credit, [...]

In the debt collection world we rate them A, B, C, D, etc… In reality the terms are defined as follows:
A Credit (aka Pristine) = No blemishes, all accounts paid on time. Usually having assets (house, cars, and recreational vehicles). Usually defined as 800+ credit score.
B Credit (aka Good) = May have some [...]