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Credit Score Factoring Codes

Credit Report Factor Codes Code # Reason 1 - Amount owed on accounts is too high 2 - Level of delinquency on accounts 3 - Too few bank...

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Adding Accounts To Your Credit File

Your credit file may not reflect all your credit accounts. Although most national department store and all-purpose bank credit card accounts will be included in your file, not all creditors supply information...

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Promotional Suppression And My Credit Report

Protecting Your Credit History The Credit Bureaus are FOR PROFIT companies. They are gatherers and resellers of information. They sell your credit information. We put a promotional suppression statement...

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How To Restore Your Credit The Proper Way

Many people can find themselves with having a credit problem. It matters not your financial status. Bad credit is on purpose. The credit system was designed in order for the majority of consumers to have...

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What Does Your Credit Score Effect

Your Score Affects... Your credit score doesn't just affect whether or not you get a loan; it also affects how much that loan is going to cost you. As your credit score increases, your credit risk...

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All About Credit Reporting Agencies

Consumers often make the mistake of assuming that Credit Reporting Agencies are State, Federal or Government operated. The truth is, the credit reporting agencies are not associated in any way with the...

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How To Improve My Credit Score

Improving a credit score requires establishing good, clean, current, positive and active credit. This will raise a credit score as soon as it is reported to the credit bureaus and included in the credit file....

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Steps To Improve Your Credit Score

** Pay your bills on time ** One of the best ways to improve your credit score is simply to pay your bills on time. This is absurdly simple but it works very well, because nothing shows lenders that you...

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Credit Score Myths Answered

Myth #1 YOU ONLY HAVE ONE CREDIT SCORE In truth, you have three (3) credit scores, one from each of the three (3) major credit bureaus. These scores can vary by as much as 50 points or more. This...

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History of the Credit System

History of Credit Reporting How did credit get started? In the very early days, when people bought things on credit at the general store, the store clerk wrote the purchase amount on a piece of...

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