Credit Reports

5 Credit Myths exposed

Those “a-ha!” moments. Key takeaways. Life lessons. Whatever you may call them, everyone has them at some point, where we look back and say, “I wish I would have known that sooner! Why didn’t someone tell me?” It often seems like credit and finances are a part of life where realizations come about that way.... Read More »

Overview of Credit Score Ranges

800 to 850+ Credit Score A credit score above 800 is considered flawless. Believe it or not credit scores in this range are pretty common however I have never met anybody that has a credit score of 900.Many consumers have a credit score in the 800 range the moment their credit is established which is... Read More »

Credit and Debt Myths

These is a lot of false information on the internet about credit scores, credit repair, the fair credit reporting act, credit laws, debt and finance. Here is a little list I made to clarify some of these fair credit myths. Amount of debt DOES affect your credit score. “It was only a $75 unpaid debt... Read More »

5 Common mistakes that lower your credit score

Maintaining good credit can be a real challenge if you do not understand what you are doing. There are countless formulas that go into making up your credit score that determine whether your credit score goes up, goes down or stays the same. The first step to preventing yourself from lowering your credit score is... Read More »

How getting your credit repaired and having good a credit score benefits you

If you have bad credit or don’t have the credit score you really want then this article is for you.  Repairing your bad credit and improving your credit score is a smart move especially if you really care about yourself and your future.  Some of the many positive benefits to having a good credit score... Read More »

How can a speeding ticket or traffic infraction damage your credit score?

While your ability to drive an automobile does not directly have anything to do with your credit score an unpaid ticket will affect your credit score in a negative way. Dear Fair Credit Blog, I received a speeding ticket while traveling from Jacksonville Florida to Philadelphia PA to visit a friend. I have not yet paid... Read More »

How to get a perfect credit score?

Is it really possible to have a perfect credit score? YES and there are approximately 1 million Americans that have earned a perfect credit score. If you want to be a part of that elite group you better pay attention to the articles in this credit blog. Most people’s credit scores rank in the 700... Read More »