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Credit Repair Myth's

Myth # 1: When I pay off a past-due account, such as a charge off or a collection account, it will show "paid" and no longer be negative. It is difficult to fully restore your credit without paying your outstanding debts. However, paying off a debt can actually hurt your credit. Negative items on your credit report are usually allowed to stay on your credit report for a maximum of seven (7) years. This 7 or 10 year clock begins ticking at the date of last activity or date of first delinquency. When paying an outstanding debt, you can change the account status and the date of last activity which can lower your scores. Myth # 2: If a negative item is successfully deleted from my credit report, it will just come right back on my report. The credit bureaus have cleverly spread this myth through the news media and government agencies. In truth, the credit bureaus will often temporarily delete a negative listing if they have not heard from the credit grantor for 30 day
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What is Credit?

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What Is Credit? The concept of credit is nothing new and one that most people have used is some form or another. So, what exactly is credit? Credit is receiving something of value now with the promise to pay for it later. Here’s an example. As a kid, suppose you were in a store and saw something really great that you wanted - a shirt, new shoes, candy - but you didn’t have enough money to buy it. So, what did you do? You begged your parents to buy it and take the money from your next allowance. That’s credit! Or, while at a restaurant you realize you forgot your wallet. Your friend pays for your meal and you pay her back when you find your wallet. That’s credit, too! If you pay back these friendly loans, you build trust with your parents, friends, or whomever else lends you money. This trust helps to build your reputation and increase your chances of borrowing more in the future. This is the same concept that financial institutions, such as banks, use
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What are tradelines

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