CREDIT SCORES
Repairing your credit score can be a daunting task without the proper tools. So we created the Credit Score section that details how you can rebuild your damaged credit and find tools so you don’t have to go at it alone. Don’t sit back and expect that number to just move magically. You need to usher it up. We’re here to help, and there’s not a minute to waste.
Improve Your Credit Score In 30 Days: Part 3
If you want to improve your credit score in as little as 30 days, one way to do that is to raise your available credit. Requesting a higher credit limit
Behavior That’ll Improve Credit Over Time
Although there are methods to improve a credit score fast, re-establishing a good credit score takes consistent behavior and time. Factors that influence a credit score include:
Credit payment history
What To Look For On Your Credit Report
At least once a year, you should order your credit report from AnnualCreditReport.com. Once you get your report, make sure that you recognize the information on your credit report including
How Charge Offs Can Hurt Your Credit Score
A charge happens when you fail to make payments on a credit account for 120 days or longer. At this point, the creditor may mark the account as “charged off,” meaning
How Can a Repossession or Foreclosure Hurt Your Credit Report
Foreclosures and repossessions are serious delinquencies and will lower your credit scores considerably for up to 7 years. Lenders see this as…you signed a contract with them to buy a
How Collections Effect Your Credit Report
Collections happen as the results of late payments. There are two kinds of collections:
Those that have been sold to a third-party collection agency.
Those that have been turned over to an internal collection
How Much Does A Late Payment Hurt Credit Score?
Some times things happen that cause you to be late on your payments. When that happens, it shows up on your credit report in certain ways.
If 30- or 60-day late
How 120 Days Late Payment Can Hurt Credit Score
If you are 120 days or more late on making a payment, it’s not a good look on your credit report.
Late payment reporting beyond the initial 90-day missed payment does not cause
How 90 Days Late Can Hurt Your Credit
If your credit is 90 days late, it will damage your credit scores significantly for up to seven years.
Remember, the goal of the scoring model is to predict whether or not
How Bad Does A 30 Day Late Payment Hurt Credit Score
When you make a late payment on your bills, it can hurt your credit score. However, certain lenders do provide a grace period. If you are 30 days late, it
How To Properly Request Your Annual Credit Report
If you want your free annual credit report, you should go to AnnualCreditReport.com. You may request your free annual credit report online, via phone or by mail.
To order online just
Getting Your Free Credit Report
Every 12 months, you can get a free credit report from the 3 credit reporting agencies. You can get it through AnnualCreditReport.com.
If you’d like, you can request all three of your reports