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Credit Report Articles

Medical Debts Incurred by Minor

Mark CappelNovember 27, 2023

State law sets whether minors have liability for medical debts they incur. How a state views the doctrine of necessities may offer a clue...

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CROA- Your Credit Repair Rights

Mark CappelNovember 2, 2023

The Credit Repair Organizations Act (CROA) gives consumers the right to study a credit repair contract for 3 days and cancel it. CROA also requires credit...

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Pay for Delete? Learn to Dispute!

Betsalel CohenDecember 20, 2016

Before you pay to clean up your credit report, learn how to dispute accurate items. Be wary of pay for delete offers. Know your rights under the FCRA and FDCPA.

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Free Credit Report

Daniel CohenSeptember 16, 2015

Free credit report | Free credit reports are a very valuable tool that will help you monitor your credit score and maintain good credit health. Use the tools...

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Lexington Credit Repair Reviews

Daniel CohenMarch 7, 2015

Lexington Law Firm can help you remove inaccurate information on your credit report. You can do this yourself for free. Read these Lexington Law reviews to...

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Credit File and Employment

Mark CappelMarch 7, 2015

Does employment history effect your credit rating? Find answers to questions such as these and more at Bills.com

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Credit Report Account

Mark CappelJanuary 9, 2015

An account can appear more than once on your credit report. How to tell which collection agent to pay for your credit report account...

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Lexington Law Complaints

Mark CappelApril 4, 2014

Lexington Law complaints fit in four categories: Fee disclosure, cancellation policies, quality of service, and slow action on removing inaccurate credit...

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Credit Report Public Record

Mark CappelMay 15, 2013

Public information is one of seven sections in a credit report. Learn how to get free copies of your credit reports, and dispute errors you may find there...

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Method of Verification

Bills.com TeamMay 9, 2013

Here are the steps you can take if a credit bureau does not remove false or inaccurate information from your credit report. Be sure to stop...

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Credit History

Mark CappelFebruary 13, 2013

Each time a collection agent buys your debt, it adds to the collection account's credit history. Get copies of all three of your credit reports to see...

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Read a Credit Report

Mark CappelOctober 2, 2012

A credit report can be overwhelming at first. Learn how to read a credit report, and how to spot evidence of identity theft.

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Differences Between the Three Credit Bureaus

Daniel CohenSeptember 23, 2012

Differences Between the Three Credit Bureaus | Understand why your credit report can differ from bureau to bureau. You credit score can vary, too, due to...

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Nelnet Derogatory on Credit Report

Betsalel CohenSeptember 20, 2012

Derogatory Entry on Credit Report by Nelnet | If NelNet reported accurate derogatory information to the credit reporting agencies, then you can...

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Credit Letter of Deletion

Mark CappelAugust 3, 2012

Credit Letter of Deletion | Use a credit letter of deletion to remove inaccurate information from your credit reports. Make sure that you start by...

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Credit Report Codes

Mark CappelJuly 23, 2012

A table containing most credit report codes used by Equifax, Experian, and TransUnion. Grab your credit report and...

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Credit Assistance

Betsalel CohenApril 9, 2012

Credit assistance can help you climb to debt freedom. Learn where to find the right coaching, and the typical paths to success.

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Credit Help Services - Reviews and More

Mark CappelApril 9, 2012

Credit Help Services | If you have a bad credit score, review your credit report and dispute items. Professional credit repair companies can help, but if your..

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What Can I Do to Help My Credit?

Daniel CohenApril 4, 2012

Help With Credit | Free tips and advice to answer the question, 'How do I help my credit?' Learn the basic steps to establish and keep good credit. Never...

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Credit Repair

Betsalel CohenMay 27, 2011

Credit Repair | Remove inaccurate information through a dispute process. Use an online process offered by major Credit Reporting Agencies. Learn to improve...

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Settlement Paid in Full

Daniel CohenApril 26, 2011

Settlement Paid in Full | Settling your account and bringing it down to $0 balance allows you to work on rebuilding your credit. The exact language does not...

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Fair Credit Reporting Act

Daniel CohenApril 24, 2011

FCRA | The information in your credit reports affect you in many different ways. Learn about your rights under the FCRA (Fair Credit Reporting Act)...

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Seasoned Tradelines

Mark CappelFebruary 14, 2011

Seasoned Tradeline | If the creditor is using FICO '08 or VantageScore, then renting time as an authorized user on a seasoned, low-balance tradeline will be a w

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Credit Report Repair

Betsalel CohenDecember 1, 2010

Credit Reporting After Paying Off Credit | The reporting agencies must update and keep accurate data in their credit files. It takes time to update your....

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Get Your Credit Report

Bills.com TeamDecember 1, 2010

Get your credit report and analysis, and information about your credit.

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Credit Report

Daniel CohenDecember 1, 2010

Learn about your credit report and get valuable information about your credit from Bills.com. Your source for saving money.

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Improve Credit Reports

Daniel CohenDecember 1, 2010

Discover 10 tips on improving credit reports from Bills.com - your source for saving money and staying out of debt.

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Lemon Law & Credit Report

Bills.com TeamNovember 24, 2010

Lemon laws requires a manufacturer to repair a vehicle until it works properly, or if it cannot do so, it must either give the consumer a full refund or a new v

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Disputing Your Credit Report

Mark CappelOctober 27, 2010

Credit Report Dispute | How to dispute errors on your credit report for no cost. Get inaccurate information removed from your report by filing a notice with...

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Hard Inquiries

Daniel CohenOctober 18, 2010

Dispute Hard Inquiries | Consider disputing hard inquiries only if there are many you did not authorize. However, if you opened an account with a bank or...

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Credit Bureaus Report I'm Dead

Daniel CohenJuly 20, 2010

View the reports to see which bureaus list you as deceased. If only one bureau is, then you only need to focus on correcting one error.

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Wrong Address on Credit Report

Mark CappelJuly 16, 2010

Under the FCRA, both the consumer credit reporting company and the information provider are responsible for correcting inaccurate or incomplete information in

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IRS Tax Lien on my credit report

Daniel CohenJuly 15, 2010

Having an IRS tax lien or a State Tax Lien filed against you demands quick action. Free tips from bills.com.

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Credit Card & Credit History

Mark CappelMarch 29, 2010

Keep your oldest credit account open because it establishes the baseline for your credit history.

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Divorce and Credit Report

Mark CappelMarch 19, 2010

Divorce and Credit Report | What can I do about my ex-husband not making the mortgage payments? My divorce is wreaking havoc on my credit report, and I want...

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Bank of America Credit Report

Mark CappelMarch 9, 2010

Derogatory Items on Credit Report from Bank of America | If you have derogatory items, including from Bank of America or Chase, then follow theses steps...

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Fair Credit Reporting Act Lawsuit

Mark CappelFebruary 9, 2010

Fair Credit Reporting Act Lawsuit | If your old mortgage is still being reported as delinquent, even after a foreclosure, then you need to learn about your...

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Delinquent Account

Mark CappelFebruary 2, 2010

The exact date of last payment on your delinquent account can be inferred from the date of first delinquency. You can learn the date of first delinquency by rev

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Credit Cards History

Mark CappelJanuary 29, 2010

Credit Cards History | If you close the wrong account, your credit cards history may have an enormous impact on your credit score. Keep your oldest credit...

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Canada Credit Report

Bills.com TeamJanuary 27, 2010

Canada Credit Report | There is a slight risk to your Canadian credit report if you leave your US credit report in shambles. A financially motivated US...

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Information Credit Report

Mark CappelJanuary 26, 2010

Lost Information on Credit Report | here is no penalty in the Fair Credit Reporting Act for CRAs if they remove positive credit history from a credit report.

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Adding a Mortgage to Your Credit Report

Mark CappelJanuary 26, 2010

The how-to and importance of adding your mortgage payment history to your credit report.

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Open Accounts on Credit Report

Mark CappelJanuary 22, 2010

Should I close my open accounts or will that hurt my Credit Score and Credit Rating?

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Credit Card History

Mark CappelJanuary 18, 2010

You may wish to consider opening a new credit card with Chase or some other bank that offer rewards and keep the plain vanilla Chase account open and used occas

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Credit Report Errors

Mark CappelJanuary 8, 2010

It is not uncommon to wait up to three months after paying off a collection account before a consumer will see a positive change in their credit history or cred

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Eviction & Credit Report

Mark CappelJanuary 5, 2010

Eviction and Credit Report | Not all evictions appear on a credit report. If your eviction is on your credit report, it falls off 7.5 years after...

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Charge-Off & Credit Report

Mark CappelDecember 18, 2009

The fact that a debt is charged-off does not mean the debt is forgiven or canceled. Your credit report should not be your primary concern.

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Credit Freeze

Mark CappelDecember 16, 2009

Credit Freeze | A freeze prevents creditors and credit bureaus, as well as others, from using credit in your name. A freeze places a PIN number on your...

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Credit Monitoring

Mark CappelDecember 2, 2009

What is the best credit monitoring service? Equifax, Experian, and TransUnion offer $15 per month monitoring of a person's report at all three credit bureaus.

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Child Support & Credit Report

Mark CappelNovember 23, 2009

Court-ordered child support may appear on your credit report if you do not pay it.

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