Tag Archives: Credit Report

Dings on a Credit Report: Erasable?

July 22, 2011   Daniel Murphy   No comments

QHi Credit Guide, My name is James and I live in Sacramento. I got my credit reports and there are some bad things on them that I have to have removed. I have two accounts in collections for doctors bills. One is for an MRI that I had done in July of 2006 that is $3,200 and the other is a hospital bill for $950 that I got at the same time. I need to have them taken off because they are hurting my reports to the point where I can’t do anything. Not get a job, not get a car. How do I get them taken off? James

Dear James, We’d all love to have our credit report look fabulous even when it doesnt deserve to be. How

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  Tags: Credit Report, Report

Protesting Credit Report Info Rarely Changes Anything

June 18, 2011   Daniel Murphy   No comments

Recently released results of a study related to Federal Trade Commission research into credit reporting fairness show that only one out of about every 100 people who try to get the information in their credit report changed actually succeed in doing so. The study, with the title “U.S. Consumer Credit Reports: Measuring Accuracy and Dispute Impacts,” was done to determine the accuracy and quality of data collected and maintained by the three major credit reporting agencies, namely Experian, Equifax, and TransUnion. What researchers discovered was that less than one percent of all credit reports examined by participants prompted a dispute that resulted in a credit score adjustment and an increase of a credit score of 25 points or greater.

The conclusions are nothing new, because a similar study back in the early 1990s found the same thing. Bas

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  Tags: Credit Report, Info

Simple Tips to Improve Your Credit

November 24, 2008   admin   No comments

Simple ways to face a seemingly complicated challenge

Good things come to those who wait. Haste makes waste. The tortoise beat the hare. However you say it, patience is an important virtue, especially when it comes to improving your credit. There are no easy shortcuts, but there are several simple things you can start doing today that will help get you back on track.

1. Check your credit report regularly.
Reviewing your credit report is the best way to make sure all your information is accurate and up to date. If you find incorrect information or clerical errors, report them to the credit reporting agency that supplied the report as quickly as possible.

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  Tags: Build Good Credit, Credit Improve, Credit Report, Improve Your Credit, Tips