Credit Score Consulting FAQs
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Some people with poor credit consider seeking ways to improve their credit score by hiring a third-party credit repair company. While it may seem like a good idea to Pay someone to fix your credit reports, there is nothing a credit repair company can do for you that you can’t do yourself for free.
You are entitled to one free copy of your credit report every 12 months without it going down. In order to have access to your free FICO score, you will need to be the primary account holder on a consumer card. Once you meet the eligibility requirements, you can view your free FICO® credit score from your online account.
No one can legally remove accurate and timely negative information from a report. But you can write a letter to the creditor and ask them to remove the negative entry from your credit history as an act of goodwill.
Yes, you can establish credit and have a credit score even without a credit card.
While there’s no exact answer to which credit score matters most, most lenders prefer FICO® Scores which are used in 90% of lending decisions.
According to AnnualCreditReport.com, the three major credit companies are Equifax, Experian, and TransUnion.
It depends on the credit scoring model but a good FICO® credit score is around 670 to 739.
Here are some red flags that you are misusing your credit:
- You use it to pay for things you can’t afford
- You use credit for emergencies and you don’t have an emergency fund
- You have a card from every store where you shop
- You’re playing the balance transfer shell game
- You look you to refinance anything you find
