You’ve seen those Experian commercials on TV, right? All you have to do is sign up, and they’ll “instantly” increase your credit score! They have ads online too. See a sample below: Seems weird, right? Aren’t credit scores supposed to indicate a person’s credit-worthiness? Why am I more likely to pay back a loan just…
Do you have rent debt on your credit report? A common story that I am hearing in my law office is that a person moves from an apartment or rental home, and later gets slammed with false debts on their credit reports (Experian, Equifax and Trans Union). Normally, the landlord says the debt is for…
Credit Report vs. Credit Score You Should Pay More Attention to Your Credit Report Than Your Credit Score. The fact of the matter is that your credit score is derived from the information on your credit report. If your credit report has errors or misleading data on it, it would result in a lower credit…