If you want to improve your credit, follow the guidelines below. In addition, each lender I work with has a department that can assist with credit optimization. If you want more information, contact me at email@example.com anytime.
Thanks for reading!
Credit Scores: How to Order Your Score and How to Deal with Negative Info on Your Report
Where can I get my credit score?
You can receive one free credit report, which includes your score, annually from Experian, Equifax, andTransUnion at www.annualcreditreport.com. These scores are typically close to, but not exactly the same as your FICO score. Some of the major credit card issuers and some smaller financial institutions provide a free FICO score tot heir customers through the FICO Score Open Access program. Check with your credit card issuer, credit union, or bank to see if they are participating in this free program.You can get a free credit score, report, monitoring, and information at www.creditkarma.com.According to Experian.com, ‚ÄúThe credit risk factors provided with your score are important. They identify what elements from your credit history are having the greatest impact so that you can take appropriate action.‚ÄĚ (Lesson 4 provides some tips about improving your score.)
I found some errors in my credit report‚ÄĒhow do I get these corrected?
Immediately report in writing any errors you find to the credit reporting company. Remember to include a copy ofany documentation that supports your claim.
How long will negative information remain on my credit report?
HOW LONG IT STAYS ON YOUR REPORT
Late payments, judgements, short sale, foreclosure
Chapter 13 Bankruptcy
7 Years from Filing Date
Chapter 7 Bankruptcy
10 Years from Filing Date
Until lien is paid in full, plus 7 years (May remain indefinitely)
Author:Joshua Smith Phone: 623-703-7445 Dated: February 2nd 2017 Views: 965 About Joshua: ...
View our latest blog posts in your RSS reader. Click here to access.
We are a full service real estate team that believes in delivering world class service to our clients. We will do everything possible to ensure our clients real estate goals are met. Joshua Smith Real Estate Group has been rated the 30th top Real Estate Team in America by The Wall Street Journal and the only way to achieve this type of success is by providing extraordinary service to our clients. We look forward to helping you and your family accomplish your real estate goals!