Monthly Archives: February 2016

Percentage of High-Credit Used Accounts for 30%

The second largest factor in your credit scores is the amount you owe in relation to your high credit limits. If you are carrying high credit card balances, they can actually hurt your credit scores almost as much as paying the account late every month.  This is because if you go late...
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Never Really Verified

Did you know that public records are actually never verified through credit disputes?  When an item is disputed with the credit bureaus they send the dispute to the creditor. The creditor then deletes the item when it is not verifiable, they verify the item if it is verifiable, or they update the account...
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What Exactly is Bad Credit?

You may have been told that you have bad credit. Maybe you were denied for a loan, an apartment rental, or new cell phone but don’t quite understand why. Chances are, it had something to do with your credit score. Having bad credit can follow you like a gloomy, gray shadow. The first...
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