Repair Credit

How Long Does A Foreclosure Affect Credit Score | The 7 Year Rule

The Fair Credit Reporting Act allows a foreclosure to remain on a consumer credit report for 7 years, but under the right circumstances, it can be removed earlier. How Does A Foreclosure Affect Credit Rating Foreclosure is a legal action that arises from delinquent payments on a piece of property, usually a house.  Due to […]

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How to Come Back from Terrible Credit

Coming back from bad credit can be difficult because people don’t always know where to start. Good or excellent credit may be your goal, but to reach that higher score, there are certain steps you have to take. If you want to see positive changes in your credit score, there are a number of things […]

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Debt Re-Aging and Your Credit Score

The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure […]

How To Repair Credit After Bankruptcy

Have you recently filed for bankruptcy? Are you feeling defeated and thinking there is no way you will ever be able to repair your credit? Recovering from a bankruptcy can be challenging both financially and emotionally, but it can be done. Witnessing both my parent’s file bankruptcy, I’ve seen first hand the struggles that ensue […]

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Debt Re-Aging and Your Credit Score – Lexington Law

Depending on your situation, debt re-aging can help or hinder your credit scores. While one represents an act of fair business practices, the other represents business at its worse.

Does Using Credit Cards vs. Cash Help My Credit Score?

Building your credit score is a lot like building a good reputation. It takes years of consistency and work. It can be disheartening news if you have a bad credit score, but that doesn’t mean you are completely out of options. The best way to take control of your credit score is to start good […]

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Lowering Your Mortgage Interest Rate (After Buying a Home)

So, you’ve been living in your home for a few years since securing your home loan, and your credit score has increased! Now, it’s time to look into securing a better interest rate. First and foremost, it is important to understand how your credit initially impacts your mortgage rate. Credit Score and Your Mortgage Your […]

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