Month: July 2022

How To Get Your FICO Score For Free

Your credit ratings significantly influence your chances of obtaining a loan or line of credit. Because of this, it’s crucial to manage your credit by monitoring your credit ratings. Fortunately, there are several sources where you may obtain your FICO credit ratings without having it damage your credit score. How significant is your FICO score? …

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What is the Fair Credit Billing Act

Anyone attempting to establish credit should be aware of the Fair Credit Billing Act (FCBA), which works to safeguard common consumers from dishonest or illegal billing activities. Understanding the fundamentals of the act will help you better grasp your rights when it comes to submitting complaints or dealing with other billing-related difficulties. Fair Credit Billing …

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Inquiries Aren’t a Major Factor in Your Credit Score

Credit inquiries, in general, do not have a significant impact on your credit score. There are two kinds of inquiries: hard and soft. A soft inquiry is when someone does a credit check on you for reasons other than giving you money. Soft inquiries occur when a utility provider evaluates whether they want a security …

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Should You Ever Pay a Debt Collection Agency?

You want to know the truth because you’ve heard that paying a debt collection agency is never a good idea. What happens if collections are never paid? Should you pay the original creditor or the debt collector? Numerous shady strategies might be used by debt collecting firms. They could begin with obnoxious phone calls and …

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Five Major Issues You May Encounter While Fixing Your Credit

Many people who begin the process of repairing their credit eventually encounter one or more problems that, if not properly resolved, might make things worse. Here are the top 5 difficulties you’ll probably run into during the credit restoration procedure. 1. The Target Is Missed By Most Dispute Letter Templates Both the FCRA and the …

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