Active Credit Repair

In order to repair your credit, you will first need to know what your credit report says about you. The first step in credit repair is ordering copies of your credit reports from the three major reporting agencies: Experian, Equifax, and TransUnion. Once received, you need to carefully review all information contained in the report. Check for accuracy line by line. Because the reports are subject to human error, it is more than likely your credit score has been decreased due to erroneous information. Read more…

Repairing your credit involves taking care of accounts that have become past due. These delinquent accounts hurt your credit score the most because credit history has the biggest impact on your credit score. In fact, payment history is 35% of your credit score. No other factor has as significant impact on your credit score.

Types of Past Due Accounts

There are several different types of delinquencies that affect your credit score. Read more…