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10 Ways You Think You’re Helping Your Credit But Are ...

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10 Ways You Think You're Helping Your Credit But Are Actually Hurting It

Having good credit can be very helpful when taking out loans or applying for credit cards. Your credit is the report card major financial institutions use when making decisions about lending money or extending consumer credit.

This is why it's important to stay on top of your credit score...

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Where and How to Get Your Free Yearly Credit Report - Debt.com

Federal law states that every consumer is allowed one free copy each year, but really, you can get three.

Credit reporting is a business. The big three credit bureaus in the U.S. - Experian, Equifax and TransUnion - all make money selling your reports. But just because it's big business doesn't mean there's no government control. In fact, federal law states that every consumer can get one free...

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Where and How to Get Your Free Yearly Credit Report - Debt.com

Yes! The Fair Credit Reporting Act is a federal law that states every consumer can get one free annual credit report. Each credit reporting company must provide one free copy of your credit report upon request once every twelve months.

Q:

Where do I get my free annual credit report?

Debt.com

Debt.com

A:

You go through a government-mandated website known as annualcreditreport.com. It's a website...

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Tri Merge Credit Report and Tri Merge Credit Score - Debt.com

A tri merge credit report combines the individual reports from the three credit bureaus.

Whenever you want to review your credit report , you actually have three reports separate you have to review. The credit bureaus (Experian, Equifax and TransUnion) are all separate for-profit agencies. With a few exceptions, the agencies are not required to share information, so they usually don't. And...

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How to Buy a House with Bad Credit, FICO Less ... - debt.com

How to buy a house with bad credit, step by step

First, you generally need to contact a HUD-approved housing counseling agency for a one-on-one consultation with a housing counselor.

A housing counselor will be familiar with all the special financing programs available for people with bad credit in your area.

They will also help you find a homebuyer workshop; taking this course is often required...

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How Long Does Stuff Stay on Your Credit Report? - Debt.com

You did something that creditors consider bad, like miss a payment or declare bankruptcy.

There was a mistake in reporting, either by the original creditor, collector or credit bureau.

If the item is a mistake, then you need to go through credit repair to dispute it with the credit bureau. They have 30 days to verify the information is correct. If they can't then it must be removed.

If you've...

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Fix Your Credit - debt.com

More How-To's

START FIXING YOUR CREDIT

You know you want a better score, but you may not know how to get there. If it's the first time you've focused on your profile, these resources can help you start taking the right steps.

7 Secrets to Fixing Your Credit Faster

REPAIR YOUR CREDIT

Maintaining a clean-error free credit report is the first and most important step in fixing your credit. You have a...

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The 6 Best Credit Cards That Help You Build Credit - Debt.com

Here are three of each kind to help you rebuild your credit...

Secured cards

1. Discover it Secured card  -- Offers you a chance to rebuild your credit as well as rewards. First, you make a minimum deposit of $200, which becomes your credit limit. Then you can use your card the same way that you would any other credit card. You also earn 2 percent cash back on up to $1,000 spent each quarter on...

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6 Tips for Making Effective Credit Report Disputes - Debt.com

The information below can help you understand how to make effective credit report disputes, but it's only a starting point and the tips below can't guarantee success. If you need help, call us or complete the form to connect with the appropriate professional.

Tip No. 1: Details on top for easy reference

Your dispute letter should always include your full legal name and social security number at...

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Credit Card Debt Help From Consolidation To Settlement ...

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