The post Angela from Cedar Rapids appeared first on National Credit Federation.

Click on the image to view the full size pdf!
Here are the items that were removed or improved:

Ford Motor

Kroll Factual Data

If you would like to receive results like these, then call the number on the top of this page or click on “Join Now” and we can get started improving your credit score so you can begin living the life you deserve today!

Spragg

The post Billy Joe has a Ford Motor removed from Experian appeared first on National Credit Federation.

HSBC Bank

DRS/Bonded Collections

Chase/Bank One Card

Barclays Bank Delaware

HSBC Auto Finance

Inquiry

The post TransUnion Results in Corinth Texas appeared first on National Credit Federation.

Michael in Montgomery had 5 out of 7 items deleted or removed plus 2 inquiries deleted from his credit report!

Inquiries

Allied Interstate

West Asset Management

Capio Partners  LLC

NCO Financial

Calvary Portfolio Services

The post Michael in Montgomery TransUnion Results appeared first on National Credit Federation.

Monica in Las Vegas had the following items removed from her Equifax credit report:

Inquiries

Plusfour Inc

Clark County Collections

Allied Collection Services

Byl Management Services

National Credit Systems

Medclear Inc

Click here to view Monica’s results from TransUnion on this round of challenges!

The post Monica in Las Vegas Equifax Results appeared first on National Credit Federation.

The post Lynn got 15 deletions on his last round! appeared first on National Credit Federation.

Cnac Nv101, Allied Collection Services, Byl Management Services, and Capital One Auto Finance

Click Here to view this member’s corresponding TransUnion deletions.

The post North Las Vegas Equifax Deletions appeared first on National Credit Federation.

The CBE Group
NCO Financial
Certified Recovery
Zenith Acquisition Corp
Diversified Adjustment Service
Medicredit
Citifinancial Auto

And he had inquiries from:
Equidata
FA Credco
NCO Credit
T-Mobile

Removed from his credit!

The post Weldon in NC had 7 lines and 4 inquiries Deleted! appeared first on National Credit Federation.

Gary in Ansted, West Virginia had 7 out of 8 items that NCF challenged, removed from his credit report. Plus 3 inquiries!

2 Account Service Coll

2 Amor inc

2 Hea CRF Srv

Med Data Sys

Click here to view Gary’s Equifax results from this round!

The post Gary in Ansted TransUnion Results appeared first on National Credit Federation.

If you want to be successful financially, your credit report can be one of the most important tools in your arsenal. A good credit report opens doors to opportunities others do not have, such as getting a small business loan or investment loan.

Protect the following detailed items in your credit report like gold!

1. Personal Information Section: This area discloses things like your names, surnames, known aliases, Social Security number, date of birth, your current address and previous addresses, place of work, name of your spouse, open credit accounts, judicial cases and any public document, like bankruptcy and mortgage execution (foreclosure).

This tells a creditor about your character and habits.  They can make assumptions, like changing your residence every few months might show some instability.  If your employment changes often, this might show a bit of a compromise in your ability to pay your debts.

To avoid discrepancies in your file, try to maintain consistency. One example, always use the exact same name when applying for credit.  Simply stated, if you use your middle initial on one application then don’t use your full middle name on the next.

2. Credit Accounts Information: This reports all types of mortgages, personal loans or your revolving accounts such as credit cards.

Also reported are which credit cards are active and which are closed, the amount you owe on each one, total of the minimum payment, if you have made your payments timely, and how many times you’ve been late in making payments.

The best way to take care of your credit is to pay your accounts on time.  The number of late payments as well number of total negative accounts can give you a bad credit reference. In the calculation of your credit score, the number of late payments carries tremendous weight. It represents 35% of your overall score.

If you have difficulties paying on time, call your creditor and negotiate a new payment schedule. That way you will not get penalized for late payments. You will avoid late fees and you can avoid a negative blot in your credit report.

3. Credit Inquiries: Reports all businesses that have requested information on your credit, whether you have applied for a specific credit card or seeking to rent an apartment.

It provides details on businesses that have investigated your record. The details include names, addresses, dates and reasons for the inquiries. To many requests for new credits cards, for example, most likely to portray you as an avid user of credit cards. You could appear as a credit risk, especially if all those credit card requests were approved.

4. Credit Score: This number is created by an algorithm or a summation of scores between 350 and 850 which lenders can determine the quality of your credit and the likely hood of repayment.  All Lenders use slightly different criteria in judging this score but the higher the score the better.

The better you understand the different factors of the credit report the better job you can do to keep your scores at a higher level and over the course of time can mean hundreds of thousands of dollars in saved interest payments.

Lastly, credit repair and clean up of any negative items on your credit report can help raise your credit scores.  Check out this video on how our attorneys can help here.

If you would take a quick second and post a comment about what you’ve read here and anything you think might help others.

Be Bold!

Herschel

The post 4 important factors about your credit report appeared first on National Credit Federation.