What you will see in a credit report

Here is a list of what you will see on a credit report: Accounts/Trade lines: This includes credit cards, auto loans, mortgages, real estate, installment loans and revolving debt like department store cards. The report will include information on the accounts such as the balance, payment history, terms, and account status - such as wheth ..

What to Dispute

When asked, “What should I dispute” – the answer is simple. The Credit reporting agencies and data furnishers have a legal obligation to abide by three important standards. Everything that is on a report MUST BE: Within Date- Every item that is reporting must be within the allowable reporting period (Typically 7 years fo ..

What is the statute of limitations (SOL)?

A lot of people get the statute of limitations confused with the FCRA credit reporting time. While they’re both time limits related to debt, they have different effects. The statute of limitations for collecting a debt is the period of time that a creditor or collector can obtain a judgment through the court system to force a p ..

What is Rapid Rescoring?

Rapid rescoring originated in the mortgage industry because they were losing so many clients due to credit problems. Rapid rescoring is not offered by the big three credit bureaus Equifax, Experian and TransUnion. Instead, it is offered by the smaller credit resellers that serve as middleman between the bureaus and lenders. Rapid resc ..

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