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Stuart Hunter's Articles in Credit

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  • But What If I Need Legal Credit Repair Services?
    The credit repair world can be a frightening place. With the number of news articles, TV segments, and opinion pieces warning of credit repair scams 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 support.
  • Accelerate Your New Year's Resolutions by Repairing Your Credit Reports
    Considering how your credit factors factors in successfully accomplishing so many New Year's resolutions, it makes sense to address this one factor first. Then, if you are able improve your credit rating, you will already have a good start on accomplishing New Year's resolutions this year and years to come.
  • Cleaning Charge Offs from Your Credit Report
    A charge off can take a serious toll on your credit rating, so much so that a single charge off could result in denial of credit. If you are looking to raise your credit score, it's worth looking into the steps you can take in an attempt to remove a charge off from your credit file.
  • Is It Possible to Delete Collection Accounts from Your Credit Reports?
    Collection accounts can take a serious toll on your credit score, with higher collection amounts taking a larger toll than smaller amounts. If you are looking to improve your credit score, it's certainly worth looking into the steps you can take in an attempt to remove collections from your credit reports.
  • Is It Possible to Clean Late Payments from My Credit Reports?
    Late payments can take a serious toll on your credit rating, especially if payments are reported to be of 90 days late. If you are looking to increase your credit score, it's certainly worth it to look into the things you can do in an attempt to remove late payments from your credit file.
  • Four Tips for Identifying a Legitimate Credit Repair Provider
    The Credit Repair Organizations Act has established rules credit repair organizations must adhere to that you can use to help select a trustworthy credit repair service and avoid becoming a victim of a credit repair scam.
  • Accurate Credit Reporting Relies on Consumer Action
    The Fair Credit Reporting Act (FCRA) was created to protect your right to fair credit reporting, but it is still your responsibility to work toward that goal. When working to clean up your credit by questioning the items in your credit reports, you are enforcing this right.
  • Your Credit Rating is Not Affected by the One Hundred Word Statement
    You have the ability to add a 100 word statement to your credit reports in order to explain the circumstances behind any negative listings. While the concept is good, unfortunately it is very unlikely that this one hundred word statement will have any effect on lenders and there is zero chance that it will increase your credit score.
  • Three Simple Tricks for Raising A Credit Score
    There are a few quick things you may be able to do to quickly increase your credit score which could pay big dividends for a minimal amount of work. But if your credit needs a larger fix, it's going to take more than a quick fix remedy.
  • Credit Help For People With Low Credit
    Many people don't learn that their credit score is a problem until it's too late. Some give up hope, but others start seeking out credit help and learn there are a number of things people can do to increase their credit score.
  • Getting Help With Bad Credit
    The good news is, you may not have to wait seven years for negative information to fall off your credit reports. There are steps you can take now that may result in significant increases in your credit score in much less time. There are things you can do to legally fix up your credit score.
  • Do Credit Correction Law Firms Really Work?
    Critics are quick to generalize that all credit repair services are frauds. The truth is that there are reputable credit repair organizations who assume the burden of working to clean up your credit reports. Granted, there is nothing a credit repair company can do for you that you cannot do yourself, but this isn't evidence that they do not have a purpose. Much like cook who prepares you a meal at a restaurant, credit repair companies like Lexington Law use their knowledge and experience to work on your credit for you.
  • The FCRA Has Some Room for Improvement
    The Fair Credit Reporting Act made significant gains when it came to cleaning up the consumer credit reporting system, but there is still plenty of room for improvement as long as there are consumers who get denied for loans because of errors recorded on their credit reports, suffer from poor credit scores that do not accurately portray their actual credit worthiness, and get stuck in situations where they have the means to increase improve their credit score by paying down accounts, transferring balances, or creating new lines of credit but cannot get the information they need to make it happen.
  • Get the Facts About Credit or Risk Getting Taken Advantage of
    For such an important topic, consumer credit is one that only a few have more than the most basic knowledge. And as a result of this deficiency of knowledge, people put themselves in a position to join the millions who are being victimized by the credit system.
  • Five Traits That Set Lexington Law Firm Apart
    Lexington Law credit repair services have set the standard for the credit repair industry. Today, Lexington Law continues to be a driving force in credit repair in part because of these five traits.
  • 4 Perks of Maintaining a Good Credit Score
    Most consumers know that a good credit score is helpful in getting approved for loans with the best rates and terms, but not everyone realizes how keeping clean credit reports plays a part in getting jobs, keeping credit card interest rates low, and minimizing auto insurance premiums.
  • Fix Your Credit Rating and Actually Benefit from the Credit Crisis
    The current credit crunch presents fantastic opportunities for those who are able to take advantage. Consumers with good credit scores are reaping the rewards as prices and interest rates fall. Those with poor credit are left out unless they are able to fix their credit report.
  • 3 Failures of the FCRA
    Even though the Fair Credit Reporting Act has had a positive effect on the consumer credit reporting system, there are still a number of flaws in how your credit file is constructed and how your credit rating is calculated. These flaws result in unfair credit reporting that more often than not, punishes the consumer and rewards lenders.
  • How to Tell If a Credit Repair Service is Trustworthy
    Legitimate credit correction companies have helped thousands of people legally and effectively correct their credit reports. Choosing the right credit correction service is the first step in getting help achieving your credit goals.
  • There's Nothing Wrong With Getting Some Help with Your Credit
    If you've never done it before, you can try to bake cookies without a recipe, you can try to repair your car's transmission yourself, and you can try to repair your own credit score. Of course, you risk batches of inedible cookies, a disabled vehicle, and a damaged credit history. Getting help with any of these tasks can help you avoid making a mess that is too tough to clean up.
  • The Four Laws of Credit Repair
    There are a number of laws designed to protect you from being taken advantage of by the creditors and credit bureaus. It is these consumer protection laws that define what information can be added to your credit reports, how long it can remain listed, and how you can dispute inaccurate and unfair negative credit listings.
  • 4 Consumer Reporting Agency Fictions
    They wield enormous power over your life - and the lives of every other American adult. But how much do you actually know about the big three credit bureaus? Friend or foe? Fact or fiction?
  • Thank the FCRA for 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.
  • 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?
  • No Interest, No Payment Plans and Your Credit Rating
    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.
  • 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.
  • 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.
  • Accurate Credit Listings, Not What You Think They Are
    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.
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