How do I correct inaccurate or incomplete information in my credit report?

Many people are unaware,but one has the right to dispute inaccurate information or omissions on his credit report. It requires credit bureaus to investigate your complaint (generally within 30 days),and then send you a response and correct any errors or omissions. The law also requires the source of inaccurate information to also correct [...]

What is a credit score and how is it calculated?

Most of time,a credit score is refered to as a FICO score (Fair Isaac Corporation). It’s a number based on information in your credit file that shows how likely you are to pay a loan back on time .The higher your score,the less risky you are. You credit score is derived from three [...]

What is a FICO Credit Score?

A credit score is a mathematical model consisting of numerous variables used to estimate one’s credit risk. The most commonly used model is called FICO ® (named after its creator,the Fair Isaac Company).

Your FICO ® credit score is used to evaluate your creditworthiness by giving you a certain amount of points based on [...]