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The credit reporting agencies are allowed to keep tabs on certain aspects of your financial history. Not only are they allowed to keep tabs on you, they can compile your credit information into reports and then sell your information to others who wish to evaluate the risk of doing business with you. While you may not like the idea of the credit reporting agencies (CRAs) being all up in your business, the truth is that if you understand the credit reporting and scoring system you can leverage that knowledge to your advantage. After all, earning great credit comes with some truly awesome perks and benefits.
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What are Some Common Fair Credit Reporting Act Violations?
The credit reporting agencies are allowed to keep tabs on certain aspects of your financial history. Not only are they allowed to keep tabs on you, they can compile your credit information into reports and then sell your information to others who wish to evaluate the risk of doing business with you. While you may not like the idea of the credit reporting agencies (CRAs) being all up in your business, the truth is that if you understand the credit reporting and scoring system you can leverage that knowledge to your advantage. After all, earning great credit comes with some truly awesome perks and benefits.
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Why Does My Paid Off Credit Card Still Show a Balance On My Credit Reports?
Imagine the following scenario…you budget and work hard to pay off your credit card debt because you understand that doing so will save you money and will likely help to improve your credit scores. After months of dedication you finally reach your goal of zero credit card debt. However, when you check your credit reports the next day you are surprised to learn that your credit card account still shows an outstanding balance. Is this a mistake? Why is your new zero balance not showing up on your credit reports?
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Which Debts Should You Pay First to Improve Credit Scores?
It’s called prioritization! Whether you received a big tax refund, an inheritance, or a bonus, if you have recently come into a lump sum of money you may be ready to start chipping away at your debt. Of course, if you are like most people then even an unexpected influx of cash probably will not be enough to completely wipe out all the debts you owe. The question therefore becomes, which debts should you tackle first?
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John Ulzheimer January 2018 Bonus Video
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John Ulzheimer January 2018 Insider Video
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