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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Tag Archives: credit score

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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Free Credit Report by Mail

Requesting a free credit report by mail is fairly simple. You need to download a request form from one of the various reporting bureaus, print and complete the form, then send it off. It should take about 2-3 weeks to receive your credit report this way.
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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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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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Self Help Credit Repair

Sometimes self help credit repair is the only option, and can be the credit services option that works best for you. It may be that you cannot afford professional help, or it could be that you are not sure how genuine this help may be. The later is more possible if you have had a bad experience in the past with professionals claiming to be effective in improving your credit report, but in the end delivering little to no result. In either case, whether it's because of a bad experience or because you cannot afford it, it is possible to undergo credit repair if you just keep a few points in mind.
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Will paying off debt help my credit?

If you are looking to improve your credit for the purposes of either peace of mind or to get a loan with a good interest rate, you might be asking yourself, “Will paying off debt will help your credit?” The answer always is “yes.” Here’s why.
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Write Credit Dispute Letter

Every so often in your lifetime, you are going to want to make a major purchase such as a car or a home and unless you were born into serious money and have no need for banks or lending institutions, you will need to have a good credit score, just like everybody else. But do you know for sure what it is?
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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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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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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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