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Category: Credit Reports

Credit Report vs Credit Score

March 22, 2016chapter13, chapter7, credit reports, credit scoreChapter 13, Chapter 7, Credit ReportsDeborah

“What’s the difference between a credit report and a credit score?”   That’s a very common question we hear from our clients, and it’s easy to see why so many people confuse the two, since sometimes creditors use the terms interchageably. …

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Credit Reports: Get Them, Monitor Them!

March 15, 2016chapter13, chapter7, credit reports, old debtCredit Reports, Old DebtHeather

Credit reports and scores are used for the purpose of advising a lender of the risk factors in lending a person money or advancing credit.  It is very important to maintain the accuracy of your credit reports.  Most commonly credit …

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Why does my attorney need…???

November 26, 2014credit reports, documentsCredit ReportsDeborah

We ask our clients to provide a number of documents as we prepare their cases for filing.  Some of the information is for the court, and some is for our office, so we can evaluate any potential issues that might …

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What’s the Difference Between a Credit Report and a Credit Score?

February 28, 2014credit reportsCredit ReportsDeborah

We often talk to clients who are confused about the difference between their credit reports and their credit scores.  It’s easy to see why a consumer might be confused about these two different information sources, since both are tools used by creditors …

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What’s in Your Credit Report, Anyway?

February 25, 2014credit reportsCredit ReportsDeborah

When you have credit accounts, such as credit cards, auto loans, student loans, or mortgages, the creditor gathers identifying information about you.  A creditor will likely want to know things like your social security number, address, and telephone number.  Because …

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Tips and Tricks: How to Get a Free Credit Report Every 3 Months

February 20, 2013credit reportsCredit ReportsLeave a Comment on Tips and Tricks: How to Get a Free Credit Report Every 3 MonthsDeborah

We talk a lot about how important it is to monitor your credit report using the free reports you can get at www.annualcreditreport.com.  Here’s a great way to make the most of your free reports: Start by requesting a single …

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Get Your Free Credit Report

February 14, 2013credit reportsCredit ReportsLeave a Comment on Get Your Free Credit ReportDeborah

It’s a good idea to check your credit report at least once per year.  That’s especially true if you’ve filed a bankruptcy, because creditors often drop the ball in reporting that a debt has been discharged through bankruptcy.  That can …

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FTC Study Says 1 in 4 Consumers Have Errors in Credit Reports

February 14, 2013collections, credit reportsCredit ReportsLeave a Comment on FTC Study Says 1 in 4 Consumers Have Errors in Credit ReportsDeborah

In a recent study, the Federal Trade Commission discovered that as many as 1 in 4 consumers have potentially negative errors on their credit reports!  That’s a lot of errors that could be corrected by careful monitoring and disputes with …

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