Why should I care about my credit?

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. These consumer reporting companies sell the information to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. None of the Credit Bureaus are directly connected to the government. However! The Fair Credit Reporting Act (FCRA) requires each of the three nationwide consumer reporting companies —

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Prepare for Success

Credit repair is capable of cleaning up your credit reports, raising your scores, and turning your financial life around. But you need to be an active participant. To get life changing results you must be prepared to work. Credit repair requires a new mindset about the credit bureaus, persistence, a willingness to confront collectors, the readiness to build and manage new credit, and the determination to organize your financial life. It’s a job! But if you start now you will find that

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Your credit report contains all the credit activities carried out by you in the past. It gives a record of all the money related dealings performed by you. To the creditors a credit score is a measure of a person’s trustworthiness thus it is important to have very few or no negative activities in your credit report.

Negativity in a credit report leads to a major decrease in the credit score. Once

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