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: improve credit score

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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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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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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How Often To Check Your Credit Report

In today’s financial world, knowing how to acquire your credit report, how to dispute claims or charges and how often to check up on your financial health are all important. Knowing how often you should check up on your money is an important factor, because you need to know that things can change quickly on your credit report, and how and why that might happen.
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Average Credit Scores

One of the main questions about credit scores is which ones are average, so that people who know their credit scores from all three bureaus know where they stand when it comes to getting credit extended to them and getting decent interest rates. If they have poor credit, they aren't going to get approved for any kind of loan with a good interest rate. If they really have very bad credit, they won't be able to get approved at all, and that could stop them from buying a home, a car, or other things that they really need. That's why it's so very important to keep your credit scores high. Unfortunately, a lot of people don't see the point to that or they don't realize how credit scores are calculated, so they end up with lower credit than they expect because they didn't realize that they were actually hurting their credit.
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Understanding a Credit Report Score

Most people understand that they have a credit report, and that report helps lenders choose who they want to make loans to and what kind of interest rate they want to offer to those people.
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Improve my FICO Score

Anyone who wants to improve their FICO score can do it, but it's going to take a little bit of work. In other words, a person has to know what his score is, why it's reached that level, and what to do in order to raise it. A FICO score is what lenders use as one of their major determining factors when they decide whether they're going to give a loan to someone. People with low scores are almost always turned down for financing. If they do manage to get approved for a loan, the interest rate that they have to pay is often a lot higher than someone who has a better score. By keeping that in mind, you can check into ways to improve your score so that you're able to get an interest rate you can live with.
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