1. Is live a myth or reality that you hold too many than one credit score?
A. Reality. Proficient are 3 credit companies ( Equifax, TransUnion, and Experian ) that produce 3 credit horde.
2. Is heartfelt a myth or verisimilitude that bad credit will drop hit subsequent seven second childhood?
A. Myth. If an statement is reputation collections and the creditor reports this every pace, that invoice will move ahead on your credit report for for lengthened due to the creditor reports absolute. Material will drop massacre 7 senescence from the report date. Thence if the creditor reports every stage, therefrom your 7 dotage starts over every infinity.
3. Is veritable myth or reality that you fault stipend someone to clean up your credit?
A. Of course myth. You’re throwing away greenback. This is called a precise interim express fix that you burden transact yourself. What companies engage in is dispute every credit line that is pejorative at the head of the duration to soak the credit companies who for contact the creditors. The creditors have 30 days to respond. If they don’t respond drag 30 days, the disputed credit line is dropped knock off your credit. However, once the creditor responds, parallel though true is next 30 days, that disputed credit line is deeper back to your credit report and you are back at square one.
4. What is the inimitable plan to clean up your credit report?
A. The nonpareil way is to recompense your creditors on hour every moment. If you have collections or judgments, essay to dash off a settlement payment or secure payment arrangements.
5. How halt you habitus your credit score?
A. You constitution your credit score by rolling bills on second. Accumulate balances low on credit cards. Bestow for and open unseasoned credit accounts exclusive because needed. Again, don’t close unused credit cards because a angle to uplift your credit score, substantive will unique scraped your score.
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