Credit Repair

Most consumers know they have a credit score and have at least a vague idea of what it’s used for. Few of us, however, are familiar with the credit score’s cousin: the ChexSystems score that documents your banking activity. ChexSystems is a consumer reporting agency that tracks and reports on individual consumers’ history with deposit accounts. Using the information in this report plus other sources of...

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If you have a spotty credit history and you’re working to turn your finances around, you may be wondering how to remove negative items on your credit report. Late payments, charge-offs and overdue account citations can all count against you. There are, however, a few ways to remove past mistakes, one of which is a pay for delete letter. A pay for delete letter is a...

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What is Identity Theft? Identity theft is a crime where someone steals your personal information—such as full name, Driver’s License number, or Social Security number—to commit fraud. According to the FTC, identity theft is most often used for credit card fraud, tax fraud, and phone or utilities fraud. It can also take the form of medical fraud, loan or lease fraud, and bank fraud. In all...

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