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Credit Reports 

Types:
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Tips: 
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Basics:
-Age & Credit
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-Credit Report FAQ
-Who Looks at Your Credit?
-What is Credit Scoring?
-What Credit Type Are You?
-How Scores are Computed
-Understand Your Credit File
-Fixing Mistakes
-Sample Dispute Letter
   Sample Follow-up Dispute Letter
-Impact Of Inquiries
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Credit Scoring Blunders
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Re-Building Credit Offers

If you have poor credit, a bad credit car loan will help you rebuild your credit history. 

We also offer bad credit unsecured personal loans and no credit check loans that will also help you re-establish your credit.


  


 


TURNING YOUR BAD CREDIT AROUND
The past is the past. We all make mistakes. The important thing is that you learn from your mistakes. Featured on this page are some simple tips that will help you change your bad credit history into a positive one.

Analyze the Damage Incurred
You need to know what is listed on your credit report. This will allow you to plan a specific course of action. Getting a copy of your credit report is simple and secure. We suggest that you get a copy of a 3-in-1 credit report. This will allow you to view the information being reported on you by all three major credit reporting agencies.
Order your 3-in-1 credit report now!

Once your reports are obtained, go over the information with a fine tooth and comb. Make sure that all of your information is listed accurately and up-to-date. Highlight all of the negative marks in yellow. Highlight any mis-information in blue.

We suggest reading the 'understanding how to read credit reports' section if you are having a hard time comprehending and interpreting the information listed on your credit report.

Make Sure That Negative Information That Has Expired Is Removed
Negative marks like late payments, bankruptcies, collections, etc, will stay on your credit report between 7-10 years. This is called the expiration date. The precise expiration date will be specific for the exact kind of record.

Make sure that there are not any negative marks that have already expired that are still listed on your credit report. If there are expired negative marks still listed, you will need to dispute these errors.

Challenging/Disputing Errors Listed On Your Credit Report
Any misinformation (i.e. fraudulent activity, expired records, etc.) listed on your credit file must be removed immediately. You accomplish removal by 'disputing' the error.

Disputing the error entails sending a separate letter to each of the agencies reporting the error. Once your request is received, the credit bureaus will conduct their own investigation. They must determine if your dispute is valid or not within 30 days. We suggest you read more about learning how to dispute errors on your credit report.

Begin Building Your Credit
So far you have determined when the negative marks on your credit report will 'expire', or be removed. You have also disputed any inaccuracies and misinformation. Now you must being rebuilding your credit by adding positive information to your credit report.

Applying for a credit card is a must. We suggest checking out the Orchard Bank MasterCard. These credit cards are designed for people with bad credit looking to rebuild their credit. Make sure that you use this credit card responsibly by keeping a minimal balance and by paying your bill on time every month. Check out some credit card offers for people with bad credit.

Keep close tabs on all of your bank accounts/loans/credit cards. Do not apply for any needless credit or loans. Once you begin to see improvement in your credit score, you may want to apply for another credit card, or even a loan. Doing so will help improve your credit score even more.

Keep Track of Your Progression
We feature a credit monitoring program that will allow you easily keep track of your credit. Once enrolled in the credit monitoring program, you will have unlimited access to your credit profile as reported by all three credit bureaus, 24 hours/day, 7 days/week! You will also have access to valuable credit tools that will help educate you, making you a credit savvy consumer!   Learn more about the credit monitoring program or enroll in the credit monitoring program now!


More credit information:
Top Seven Tips for Rebuilding Credit
How Your Age Effects Your Credit Score
Who Has the Right to View Your Credit Report
Your Credit Score and a Mortgage
Budgeting
How to Save Money
The Impact of Your Credit Score When Applying for Loans


Credit Info Center

 

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