Why Use Improve My Credit USA
There are many reasons why Improve My Credit USA is the credit restoration company of choice but here are a few that really put us head and shoulders above the competition.
- Reason #1 - 100 % Communication Promise Online Chat Support with extended hours 24/7 Progress Monitoring Automatic E-mail Confirmation System Phone Support
- Reason #2 - The IMCUSA Deletion Warranty
- Reason #3 - Satisfaction Guaranteed
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FTC’s new publication to help you!
The FTC has issued a new publication to help consumers understand how debt collectors attempt to collect old debts, along with their rights in these cases. “Time-Barred Debts: Understanding Your Rights When It Comes to Old Debts” provides information on … Continue reading
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Tagged collector, credit, debt, FTC, Improve My Credit USA, publication, rights
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Five factors that affect your credit score
Quick… without looking, could you name five items that affect your credit score? If not, get acquainted with the list below. 1. How you pay your bills (35 percent of the score) This is the most important factor; how you’ve … Continue reading
How much time is left on your credit?
The Fair Credit Reporting Act (FCRA) is a consumer protection law designed to regulate the Credit Reporting Agencies (CRAs), put restrictions on what they can and cannot do, and assign rights to consumers with regard to their credit reports. Part … Continue reading
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Tagged bankruptcy, credit, debt, dispute, lien, limitations, minsinformation, state, time, trade
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CFPB outlines info-sharing guidelines for large FIs
Large financial institutions that are supervised by the Consumer Financial Protection Bureau (CFPB) may not withhold documents that the CFPB has requested for oversight purposes, the agency said in recent guidance. The CFPB noted this standard applies to insured financial … Continue reading
The shady credit agencies that run your life
Your credit score affects everything from job offers to home loans — and the way it’s calculated is deeply flawed By Lynn Parramore, Alternet (Credit: AP/Peter Dejong) Remember the old idiom, “Don’t become a statistic”? Well, you already are. The … Continue reading
So how does credit repair work?
Improve My Credit USA helps clients take on their credit by disputing the inaccurate, untimely, misleading, biased, incomplete or unverifiable negative items from their credit reports. Our service uses targeted disputes based upon the Fair Credit Reporting Act in an … Continue reading
How to reduce your debt
Once you have opened your new credit cards we can pump up your credit improvement efforts significantly or you can become your own worst enemy. These new little credit cards can easily make a difference of one hundred points in … Continue reading
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Predicting Personal Behavior
Next Frontier in Credit Scores: Predicting Personal Behavior By SCOTT THURM Do you know your Medication Adherence Score? Fair Isaac Co. thinks it does. The company that created the FICO credit score is branching into new territory, assembling disparate data … Continue reading
Credit Laws May Not Apply to New Scores
Credit Laws May Not Apply to New Scores By SCOTT THURM Credit scores are regulated by the Fair Credit Reporting Act, which requires businesses to tell you when they are using information from your credit report. The law mandates that … Continue reading
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Student Loans – Is credit restoration possible?
Student loans are an interesting animal when it comes to credit restoration. There are no statutes limiting the collection of them and the longer you ignore a bad situation involving them, the worse that situation gets. Fortunately, there are things … Continue reading
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