Step 1: Obtain and Ensure Your TransUnion, Equifax, and Experian Credit Reports are Current and Accurate: Name Address Work History Hard Inquiries Credit Accounts Collections Public Records Step 2: Contact Credit Bureaus to Dispute All Inaccurate Personal Information Dispute every
To determine your Debt-to-Income (DTI) ratio, divide your total debt and by your income. FOR EXAMPLE: Monthly Debt = $2K Monthly Income = $6K $2K/$6K = 33% DTI A low debt-to-income ratio demonstrates a good balance between debt and income.
Click here to read this month’s issue of Larry Shaw’s Top 10: Each issue includes these TOP 10 tidbits: quote of the month mortgage news of the month hack of the month credit tip of the month easy recipe of
Under the Fair Credit Reporting Act, you’re entitled to one free credit report from each bureau every year. You can get them by visiting AnnualCreditReport.com There are many online services that offer access to and support for your credit reports.
Need to contact the credit bureaus directly? Here ya go! Experian My Experian Membership Access to My Credit Report Credit Report Disputes Fraud and Identity Theft Equifax Access to My Credit Report Credit Report Disputes Fraud and Identity Theft TransUnion
Click here to read this month’s issue of Frank Pyle’s YOU Magazine: Tips on Qualifying for a Mortgage 5 Budgeting Apps to Help You Track Spending 2 Ways to Get Organized for Personal Growth Gluten-Free Recipes the Whole Family Will
If you’re in need of help building some positive juju on your credit report, Self Lender might be a resource worth considering. Self Lender is a self-funded savings account that reports to to Experian, Equifax, and TransUnion. REPORTS TO ALL
Whether you live in an area that gets significant rain or you simply want to give your windows a little polish as part of your cleaning routine, washing windows and keeping them clean may seem like a challenge. Cleaning solutions
If you’re in a position where you need help balancing out your credit utilization and debt-to-income ratio, Hutton Chase might be a resource worth considering. Hutton Chase offers a $1,500 credit line with guaranteed approval. They report to both Equifax
Experian, Equifax, and TransUnion all include rent payment information in credit reports…IF they receive it. Unfortunately, a FICO spokesperson estimated that less than 1% of credit files contain rental entries. According to TransUnion, 6 in 10 renters could increase their credit scores