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How Long Can Negative Information Stay On a Credit Report?

Having bad credit hurts. It can make life miserable and stressful. It can harm you financially, it can damage your marriage, and it can stand in the way of providing the type of life for your family which you desire. Bad credit certainly is not any fun, but the good news is that bad credit does not have to be …

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Does Credit Repair Work?

Unless you have been living on a deserted island for the last few decades, you have probably heard the term “credit repair” at least once or twice. If you are facing credit problems of your own, you may even find yourself wondering if professional credit repair services might be able to help you improve your current situation. After all, bad …

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Credit score confusion….Why are all my credit scores different?

Why your lender’s credit scores look so different from the scores you pulled online The credit world is positively full of myths and misconceptions. One such misconception is the idea that you have only one credit score (or even one credit score from each of the 3 credit bureaus). In reality, nothing could be farther from the truth. Have you …

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Why Millions of Tax Liens and Judgments are Disappearing from Credit Reports

Have you ever heard of NCAP (the National Consumer Assistance Plan)? If not, it’s an acronym you should probably learn more about. NCAP is responsible for the introduction of a number of new consumer friendly practices at the 3 major credit reporting agencies – Equifax, TransUnion, and Experian – including the forthcoming removal of a large number of tax liens …

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4 Common Credit Mistakes to Avoid

Knowing what not to do can be just as important as knowing what you need to do when it comes to your credit. Even if you have worked hard to establish good credit, the wrong slip-up has the ability to undo much of your hard work. Thankfully you have the opportunity to learn from the missteps of others and hopefully …

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Getting Your Credit in Shape to Buy a Home

Dreaming about buying the perfect home? If so, then you may have already picked out your favorite neighborhoods and floor plans. You might have imagined exactly how you will decorate each room in your new home or you may have plans for a beautiful outdoor retreat in your back yard. However, if you have not yet considered how to get …

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4 Costly Credit Mistakes to Avoid

Having a good credit score is so important today. Good credit scores get you lower interest rates, higher borrowing limits, lower insurance premiums, better quality rental properties, and even the American dream of home ownership! Good credit does not just happen – you have to earn it!

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Credit Monitoring – What it is and why we need it!

Credit monitoring is a service that keeps watch over our credit reports and scores so we know where we stand each and everyday. It is very important to know our credit situation BEFORE we apply for any new credit! We have all heard the stories. Your car dies so you go to the dealership to purchase a new one, only …

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Credit Scores and How They are Calculated

In today’s world, it seems we are all defined by a 3-digit number, our credit score!  If we have a high credit score, life is easier. We’re able to qualify for lower interest rates, higher borrowing limits, lower insurance premiums, better quality rental properties, and even the American dream of home ownership!    On the other hand, having a low credit …