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.


Tag Archives: credit reports

Removing Charge Offs From Credit Report

If you’re not successful and the charge off remains on your account, it’s generally best to try and pay down the debt. Mortgage lenders, banks and car loan companies won’t give you a loan if you have an outstanding debt on your credit report. This can be problematic if you plan to make a sizeable purchase in the next 7 years. That’s why it’s always better to have a “charge off settled” or “charge off paid” entry on your report than just the charge off.
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Credit After Bankruptcy

Have you declared bankruptcy? Are you worried about getting credit? Well, do not hit the panic button right away. Obtaining credit after bankruptcy is possible. In fact, it is important to restructure your credit record post bankruptcy since it is the way that creditors measure your creditworthiness. Bankruptcy delivers a heavy blow to your credit history and score. The score receives a major setback and it is important to improve the score to gain back the confidence of creditors. Bankruptcy more or less stays on your credit report for ten years; however, you can still qualify for loans and credits with good rates before the bankruptcy remark is removed.
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Know About Dispute Credit Report

Your credit report contains valuable information about the way you make payments, your address, bankruptcy (if any) and it also contains information on your background. This report is extremely important because all of this information is taken into account by employers, insurers, and creditors before approving your credit. The Fair Credit Reporting Act (FCRA) maintains that the Federal Government ensures the privacy and accuracy of the credit bureaus. It is best to review your credit reports occasionally to avoid errors in the report. This report will be required for any job application, home loans or car purchase. When you check the report, you will then be able to find out if there are any errors and dispute them accordingly.
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Clean Up Credit Score

It is always helpful to invest time in cleaning up your credit score. This is mainly because your credit history follows you wherever you go, be it a new place or a new job. Your new lenders may be interested in knowing your reliability and will base it on your past history of financial dealings. It is quite possible that sometimes your credit report requires some cleaning up to do and be sure that it is possible to do so yourself. Although it might look like a daunting task, cleaning your credit scores is not as difficult as it looks like.
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Credit Repair Forms

If you are trying to increase your credit score, there are a multitude of credit repair forms that you will need. These forms include credit repair kits and can be found easily with many credit repair companies. Since there are many forms that should be filled, it is easy to get lost. Which forms should be filled, how should they be filled out and so on. Some simple suggestions that have worked for many people are discussed here, to help in filling the forms for credit repair and improving your credit score.
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Dispute Letters to Creditors

Dispute letters to creditors are all part of the process of getting your good credit name back if you’ve gotten into a little trouble over the years. It all starts with copies of your credit reports, which you can then check for errors. These errors can be disputed with credit reporting agencies (TransUnion, Experian and Equifax) with a dispute letter (although Experian prefers you conduct the dispute process online). Errors on your credit report might include such items as charges that are over seven years of age. The law requires that these items be removed after that period of time; bankruptcies however, take ten years to come off.
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Three Credit Reporting Agencies

It seems as though no matter what publication you are reading, what television channel you are watching or what internet website you are visiting there are advertisements or articles about protecting and maintaining your credit report and credit history. There are three credit reporting agencies that monitor your credit score Experian, Equifax and TransUnion. With all these companies watching you, why not let Credit help you with their proven methods of credit history repair.
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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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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 Obtain Credit Reports for Small Business

If you would like to obtain a copy of your personal credit report, you are the only person that can do so. Unlike personal credit reports, which can only be viewed and requested by the report holder, a small business credit report is available to the public. This means that anyone, including potential lenders and suppliers, can obtain your small business credit report. It is more important than ever to monitor your business credit report and credit history.
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