Frequently Asked Questions
- What is a credit report?
- What is a FICO score?
Based on the information in your credit report, your FICO score is calculated using formulas that weigh the amount of debt you carry relative to your available credit, the timeliness of your payments, the type of debt you carry, and a great many other factors to assign you a credit score between 300 and 850.
- What is a credit bureau and how many are there?
There are three (3)
Experian and Transunion.
- Is Experian the leading credit bureau out of the three establishments and the one that most lenders and banks use?
- Should I file for bankruptcy?
- What items can be deleted from my credit report?
- Late Payments
- Tax Liens
- Paid Collections
- Charge Offs
- And much more…
- How long does the dispute process normally take?
- How does your company remove inquiries from my credit report?
- Can I cancel anytime?
- Is disputing your credit legal practice?
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