Credit scores are a way that lenders can quickly gauge your creditworthiness, or the risk that you’ll default on a credit obligation. Lenders could just use your credit report to get information to make this decision, but credit reports can be dozens of pages long for people who have long credit histories. Without credit scores, [...]

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Get a Free Copy of Your Credit Report – If you are looking to improve your credit one of the first things you need to do is get a copy of your personal credit report from all the major credit reporting agencies. You are entitled to a free copy of your report from any agency [...]

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The Rapid Rescore strategy requires proper paperwork. You need proof that the item is incorrect. It must come from the creditor directly. For example, a letter stating the account is not your account, a letter stating the account was paid satisfactorily, a release of lien, a satisfaction of judgment, a bankruptcy discharge, a letter for [...]

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