Posts tagged ‘look’

Things to Look Out For During The Credit Repair Process

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So I had a client come to me asking why here score wasn’t going up so I decided to look at her credit report.. So the main reason why her score wasn’t going up after removing items was that she had high credit card utilization..

Like I always explain to people just removing items won’t help your score go up, it’s different factors that come into play… So it’s up to the person to know what they have on their credit report so they know exactly what they need to do or work on during the credit repair process..

Just by getting your credit utilization down under 30% for each particular card can play a huge factor in getting your score increased… It’s just little things like that to pay attention to…

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Click the link below to purchase your credit report dispute letters. Also included is a Credit Repair checklist as well as a Affidavit form
Video Rating: / 5

Just How To Look At Your Complimentary Credit Report (And 3 Credit Ratings)

Within movie, you will see getting your free annual credit report from TransUnion. To get going visit this site:

To view your current credit scores gov from all 3 bureaus click here:
Free credit score government

Thanks for seeing!

Identity-Theft Monitoring Programs Worth a Look

Identity-Theft Monitoring Programs Worth a Look
Why pay for a company to monitor your credit reports when you can get them free? In a 2009 study, the Consumer Federation of America found that ID-theft programs exaggerated what they could deliver to customers and failed to provide clear information …
Read more on Kiplinger Personal Finance

Advocate data breach highlights lack of encryption, a widespread issue
23 statement, Advocate announced the breach, adding that it had sent letters to the affected patients and had offered them one year of credit monitoring. Advocate also said it had “reinforced our security protocols and encryption program with associates.

What does a credit report look like after bankruptcy?

Question by Whitney: What does a credit report look like after bankruptcy?
I wanted to get information on what your credit report looks like after filing ch 7 bk. Does it still list all your accounts with the balances just with discharged on each, or is your credit report blank with just the bk on it?

Best answer:

Answer by Sparkles
Believe me, it is not blank.A Chapter 7 bankrutpcy may display on your credit for 10 years from the date of register. Chapter 13 may stay for 10 yeas also, but it is customary for those to be removed after 7 years.Seven to ten years from the date of dispatched. All discharged bankruptcies whether a state or federal filing remain on a CR for 10 years. A dismissed chapter 13 remains for 7 years, a dismissed chapter 7 remains for 10 years. Chapt.7-11-12 will remain for ten years. A chapter 13 will remain for seven years if successfully completed, for 10 years if dismissed. Ten (10) years for a discharged chapter 7 or 13. Seven (7) years for a dismissed chapter 13, ten (10) years for a dismissed chapter 7. Although it is truthful that the federal Fair Credit Reporting Act does provide that bankruptcy entries will remain for 10 years, there are some creditors that will only leave a chapter 13 bankruptcy on your record for 7, rather than 10 years. They do this to promote people to pay part of their debts rather than discharge it all under a chapter 7. More importantly, the effect of bankruptcy on one’s ability to get imputed is vastly overstated. The key to getting the credit you need has far more to do with the amount of present income you have rather than any negatives on your credit report. In short, if you have good present income, the creditors will look past your credit report to your wallet in the sense that it is possible, even with a bankruptcy on one’s record, to get credit for cars and new credit cards as soon as you are discharged in a chapter 7 (about four months after you file), and after a year or so, you can even get a mortgage on a house. They may not give you the best rate, but if you have good present income, even a person with a bankruptcy on their record can get the credit they want in almost all cases. You will not qualify for a FHA until a chapter 7 has be discharged for 2 years. A chapter 13, you will only have to wait a minimum of 1 year from filing date.

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