Creditelves works by taking the information you provide and generating custom letters to credit bureaus on your behalf. You simply print out the letters and mail them to the credit bureaus. It's that simple.

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Monthly Archives: August 2010

Best Personal Credit Report Online

Watching television for more than five minutes will likely remind you that you should check your credit score. From ads claiming the ability to repair scores to those offering yearly monitoring of a credit score, we are often overwhelmed by the sheer number of offers concerning our credit scores. Worse, many are lead to believe that they must spend large amounts of money on their reports or sign up for an expensive program in order to adequately monitor their reports. This is not true. In fact, there are a number of options that allow you to check your credit report online. Finding the best personal credit report online is the first step towards fiscal well being.
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Business Credit Card Receipt Laws in Texas

These days, almost everyone is aware of what a bad credit report or low credit score can do. A poor score can affect the way you live, your ability to purchase a car or home and can haunt you for your life. While many people and companies offer solutions for repairing your credit, learning how to protect your credit may be a better option. In fact, both federal and state governments have developed rules and regulations aimed at helping consumers keep their personal information, and their credit, safe. Leading the way are the business credit card receipt laws in Texas.
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Credit Bureau Report Disputes

Perhaps the single greatest indicator of financial health is your credit report. Poor financial decisions, unpaid utilities and even mistakes can wind up lingering on a credit report for years. The system, by which several major credit bureaus track and release the credit rating of consumers all over the country is sound, but not without flaws. In fact, many people discover errors on their credit report. Learning the ins and outs of credit bureau report disputes in important for anyone who hopes to maintain a healthy credit score.
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Fix Your Bad Credit Report

There are many people who believe they have good enough credit to obtain a mortgage or any loan and are often surprised to find out that their credit scores are not quite up to snuff. Discovering a poor credit score doesn’t have to be the end of your dreams. In fact there are several ways to fix you bad credit score, including the use of credit dispute letters available from Credit Elves. Understanding the strengths and weaknesses of your options will help you to decide which works best for you.
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Corporate Credit Card Laws

Corporate credit card laws have seen some change, thanks to Obama's CARD act in 2009. These changes are mostly related to fees that credit card companies can charge, and how much notice must be given in order to make any changes to a credit card holder's account. For many, this new act, which comes into effect this year, is offering consumers a great opportunity to clean up their credit with the help of services like Credit Elves.
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Sample Letter to Dispute Derogatory Item on your Credit Report

Have you ever tried to apply for credit and been turned down? Whether you are applying for a car loan, home loan or even a credit card with a lower interest rate, finding out that you have derogatory items on your credit report at the time of applying is a horrible thing to have to go through. Derogatory items on your credit report can include late payments, missed payments, bankruptcy, foreclosure, and even accounts that may have gone to collection that you have already paid off! If you find that you have derogatory items that should be removed from your credit report, there are steps you can take to have them expunged from your credit history.
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How to Dispute a Bankruptcy on your Credit Report

Filing bankruptcy can allow individuals or businesses, who have accumulated too much debt, the opportunity to absolve the debt by not having to pay it back. It seems like a great opportunity to start fresh, however the down side is that you now have a major stumbling block on your credit report and it can last from seven to ten years! There are different types of bankruptcies; filing Chapter 13 will allow you pay back a portion of your debt over time and filing Chapter 7 will completely discharge your entire obligation. The only way to remove a bankruptcy on your credit report is if it should not be there, meaning if it is on your credit report by mistake or if it has been over seven years and it is still on your report. A bankruptcy will stay on your credit report for ten years if you have filed Chapter 13 and did not fulfill your commitment to pay back the agreed portion of the debt.
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Fixing My Credit Report after Bankruptcy

A blemish on your credit report, such as filing bankruptcy, can (except in special situations) stay on your credit record a maximum of ten years. But, generally after seven years you can legally have it removed from your credit report. It is the law that these derogatory marks on your credit can be removed by credit reporting agencies and the creditors that report the information.
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How to Dispute an Entry on Your Credit Report

Your credit report is a list of all of your credit data. It may include items like a mortgage, student loan, closed credit account, open lines of credit, or a report from a collections agency that you are behind on a payment. While this information can help lenders get a picture of your risk level as a borrower, it can also cause you a world of trouble when an item is listed in the report incorrectly. If you have a piece of information in your report that isn't true, lenders may not loan to you, and you may find yourself faced with much higher interest rates. Luckily, a bit of research at Credit Elves will teach you how to dispute an entry on your credit report.
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