wellspoken

What’s In a Credit Score?

August 17, 2010

The information that impacts a credit score varies depending on the score being used. Credit scores are affected by elements in your credit report, such as: Number and Severity of Late Payments Type, number and age of accounts Total debt Public records Credit scores do not consider the following information: Your race, color, religion, national […]

Posted in Credit |

Rules for Building Good Credit and Good Scores

August 17, 2010

Making positive changes in the way you use credit can impact your scores. Pay your bills on time Your payment history is the single most important part of having good credit scores. It accounts for almost one-third of the total in most credit-scoring systems, so late payments will have an immediate and very serious impact […]

Posted in Credit |

Helping Yourself (Sample Dispute Letter)

August 17, 2010

Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of any documents that support your position. In addition to providing your complete name and address, your letter should identify each item in your report you dispute; state the facts and the reasons you dispute the information, and […]

Posted in Credit |

Request a Free Copy of Your Credit Report

August 17, 2010

This report may be obtained at no cost once a year. Go to www.annualcreditreport.com Follow information input instructions. Check Experian Report individually and print that report.

Posted in Credit |

Identity Theft Tip Sheet

July 29, 2010

We all know that identity theft is an increasing threat to the safety of your financial future. But what do you do when you suspect that you have become a victim? Fortunately, credit reporting agencies such as Experian provide helpful resources to protect your credit.

Posted in Credit, Fraud & ID Theft |
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