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.


Category Archives: Credit Scores

Increase Credit Score Quickly

There are several ways to go about increasing your credit score, but only one way to really do it quickly. That is to resolve any mistakes, no matter how small, that may be on your credit report.
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Improve my Credit Score

In these trying financial times, it is often asked: “How do I improve my credit score?” The answer is simple AND complicated. Your credit score is a crucial number, used by finance companies and banks to determine (along with other information) whether or not you are a good credit risk. A poor credit score is an indicator that you might not pay back your loan on time or at all, and they are not necessarily in the business of giving money away for nothing.
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Credit Score Scale

Knowing exactly where you stand regarding your credit score is more important than ever. The credit score scale is a three digit number devised to provide your credit lenders with a statistical view of your credit worthiness. The better the score, the better your chances are of receiving low-interest credit rates. If you’ve done any [...]
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How Do I Find Out My Credit Score?

Getting your credit score is different from getting your credit reports. When you get your credit reports, you get information such as payment histories, current and past addresses, and information regarding liens, foreclosures and bankruptcies – all of which get reported to the three big credit reporting agencies: TransUnion, Equifax and Experian. When a creditor looks at your credit score, however, that’s based on a calculation using your credit report information, information about arrests and convictions, collections histories, total amounts you owe on various cards and loans (and cumulatively) and other information that is all a portrait of your viability as a potential credit or employment risk.
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Is Bankruptcy Worse Than Foreclosure for Your Credit Score?

It is a tough question to have to ask, but it is something that is coming up more and more these days: Is bankruptcy worse than foreclosure for your credit score? In today’s terrifying financial environment, a lot of people have to choose gas money and groceries over making their mortgage payments. And it’s not just mortgages; millions of Americans are in debt with credit card balances that they cannot hope to ever repay within their lifetimes.
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Repairing Your Own Credit Score

It seems like these days, you can’t turn on the television or get on the Internet without an advertisement offering to help you get your credit straight. And sure, it can be a little daunting, but there is no reason to dole out [sometimes outrageous] fees to a company that might not even be as effective as you can be yourself. Be your own credit advocate, and get help repairing your own credit score from a company like Credit Elves, who can offer valuable knowledge for free, and sample letters and easy-to-follow instructions for a nominal fee. It is free to dispute your credit report, according to the law. See about being your own best credit asset.
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Where Can I Get My Fico Credit Score For Free?

It’s important that you know that your credit report is a different thing than your credit score. While your credit report is something you can get on your own (and repair –instructions below), your FICO credit score is something that is compiled from a propriety set of criteria and will cost you a nominal fee to receive. Your credit report is comprised simply of your credit card records, loan information, and your repayment history and the limits of cards or balances remaining on loans. It paints a picture of your past experiences with money and shows whether or not you might be a good risk for a new loan.
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Credit Score vs Fico

The world of credit ratings can seem overly complicated and difficult to understand. When you find out that there are not only “credit scores” but also something called a “FICO score,” you may become even more intimidated. But it’s actually not that complicated.
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How Much Will a Secured Credit Card Boost My Credit Score?

If you have recently checked your credit report and find that there are charges you either cannot afford to pay off right now or are unable to dispute, you may still have bad credit. If that’s the case, then you might be thinking about getting a secured credit card to boost your credit score. There are some good choices and bad choices in the secured credit card business. Knowing the rules of the game before you commit to one is definitely worth your while.
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Best Way to Raise My Bad Credit Score

The absolute best way to raise your credit score starts with getting copies of your credit report from the three major credit reporting agencies, TransUnion, Equifax and Experian. By law, you can get free copies once a year from each of these via the website It’s a simple site that asks a few questions and allows you to either print the results via online reports, or telephone or mail options if you’re leery of sending that information over the Internet. When you get your reports, you’ll need to do a little research on what the reports mean. Then, you can set about raising your bad credit score to good.
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