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Stuart Hunter's Articles in Credit

  • Accurate vs. Inaccurate Credit Listings
    Because of how accurate credit listings are defined by the FCRA and other legal rulings, many of the things on your credit reports that you think are accurate may not be.
  • Is It Worth the Effort to Repair Your Own Credit?
    Repairing your credit is something you can do yourself and there is no charge to do so. While this sounds enticing, the reality is that self credit repair is rarely as easy as it first seems. Repairing your own credit will likely take a significant amount of time and education.
  • Credit Repair and the Current Credit Crisis
    The current credit crisis has created great opportunities for those with excellent credit. Hoping to take advantage of these opportunities, people with poor and average credit are turning to credit repair for help.
  • No Interest, No Payment Plans and Your Credit Score
    No interest, no payment plans may seem like a great way to buy Christmas gifts, birthday presents, or something for yourself, but these agreements can go very wrong. Protect you pocketbook and your credit score by knowing the potential consequences of a no interest, no payment plan.
  • What is Credit Repair?
    Ask 10 people to define credit repair and you will probably get 10 different answers. Even amongst financial experts, there are disagreements about what credit repair is. So exactly what is credit repair?
  • The FCRA and Your Credit Rights
    Before the Fair Credit Reporting Act, the credit reporting system was particularly unfriendly to consumers. Fortunately, many of the injustices of the system have been addressed and consumers are now able to do something about their credit rating.
  • Adding a 100 Word Statement is Not a Suggested Credit Repair Tactic
    Consumers have the ability to add a 100 word statement to your credit reports in order to explain the circumstances behind any negative listings. Unfortunately, it is very unlikely that this one-hundred word statement will do anything to help you get a loan and there is no chance that it will increase your credit score.
  • Fair Credit Reporting Relies on Consumer Action
    The Fair Credit Reporting Act (FCRA) was passed to protect your right to fair credit reporting, but it is still your responsibility to work toward that end. When working to fix up your credit by questioning the items in your credit reports, you are enforcing this right.
  • Is It Possible to Clean Collection Accounts from a Credit Report?
    Collections accounts can take a serious toll on your credit, with higher collection amounts taking a larger toll than smaller amounts. If you are looking to increase your credit score, it is certainly worth looking into the steps you can take in an attempt to remove collection accounts from your credit reports.
  • Can a Charge Off Be Erased from a Credit Report?
    Charge offs can take a serious toll on your credit score, so much so that a single charge off could result in denial of credit. If you're looking to increase your credit score, it is certainly worth looking into the things you can do in an attempt to remove charge offs from your credit reports.
  • Many New Year's Resolutions Start with Repairing Your Credit
    Considering how big of a role your credit score can play in accomplishing so many New Year's resolutions, it makes sense to focus on this one factor first. Then, if you are able increase your credit score, you will already have a good foundation for accomplishing New Year's resolutions this year and in the years to come.
  • What About Legal Credit Repair Services?
    The credit repair industry can be a scary place. With the abundance of news articles, TV stories, and opinion pieces warning of fraudulent credit repair services that get pushed out by well regarded media outlets, it can look like the only logical option is to avoid credit repair companies entirely - something many news outlets seem to advocate.
  • Identifying the Best Credit Repair Companies
    With so many inexperienced credit repair organizations entering the market, many of which are turnkey credit repair businesses using third party software as the backbone of their product, it becomes a challenge to determine who you can trust with your credit reports. Here are three suggestions for spotting a quality credit repair provider.

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