Most people are more than just a little bit confused when they look at their first credit report. There is lots of information and numbers, which may leave you wondering how the heck you are supposed to read it. It's actually easier than you think and this article will give you a brief overview of what you should look for on your credit report. If you are suffering from a bad credit score, please ... (READ MORE)

There is no question that divorce is a stressful time in anyone's life. And during this trying time, your credit score may be the last thing on your mind, but the truth of the matter is that without proactive negotiations during the divorce settlement period, your credit score could take a big hit.

Marriage generally brings with it the mingling of finances. Joint checking accounts, sav... (READ MORE)

There are three major credit reporting agencies: Transunion, Experian, and Equifax. They are not the only credit reporting agencies (credit bureaus) but they are the main ones, also called "The Big Three." Credit Repair Service Providers, like Total-Credit-Repair.com, can fix the blemishes on your record by going to battle against these credit repor... (READ MORE)

You've probably heard of the mysterious FICO score. This is the mystical score that creditors and lenders talk about in regards to credit approval. What exactly is this score and how is it calculated?

The FICO score is named after the Fair Isaac Corporation who developed the score. It is a three digit number that dictates your credit worthiness. The score can range from 300 to 850 ... (READ MORE)

Credit repair agencies offer the assurance of a better life with an improved credit rating. The good news is that a 1996 law passed by Congress titled the Credit Repair Organization Act has helped to clean up the industry. Under the statute, consumers are entitled to a written contract describing the terms and conditions of the agreement including g... (READ MORE)

Buying and selling goods and services is the hallmark of today's society. Except for the air you breathe, everything you need for living must be purchased - clothes, food, transportation, and shelter. Three little digits known as your credit score have a great influence on your ability to purchase these things. Hence, credit repair is crucial for ... (READ MORE)