Credit reports can be mysterious documents to read and understand.  In this section, we will dissect the document by sections so you can become more familiar […]

A Credit Report is a database file that is kept by each of the three major credit bureaus[1].  It contains data that has been sent to […]

Myths I Believe About My Credit Score Myth #1 – A Poor Credit Score Will Dog Me Forever. FACT:  Actually, it is important to know that […]

Account An Account refers to assets, liabilities, income, expenses, and equity, as represented by individual ledger pages to which debit and credit entries are chronologically posted […]

xample of a Credit Report, provided by:  Experian  (this is a PDF file.  To read it, you must have Adobe Reader on your computer.  If you […]

CROA[1] (Credit Repair Organizations Act) – The Credit Repair Organization Act was put in place to protect consumers from unscrupulous practices by organizations who claim to repair credit. […]

What is credit restoration?  What does it mean to restore your credit…how do you do it? FCRA, The Fair Credit Reporting Act, was enacted in 1970 […]