Contact Us: 801-903-2829 77¢ DOWN GETS YOU A CAR!* Home Inventory Contact Info Testimonials How It Works Referrals $100! APPLY NOW Home » All Articles Category: All Articles How to Remove Credit Inquiries – 4 Easy Steps December 9, 2016 How to Remove Credit Inquiries – 4 Easy Steps When you apply for loans, lenders will ask you for an up-to-date copy of your credit report given by a credit bureau. If you have applied for various credit cards, then a number of inquiries could appear on your credit report. A new credit is always associated with the higher risk, but the score is mostly not affected by the inquiries from short-term mortgage, auto, or student loan. Generally, these are considered a single inquiry and have a little impact on your scores. Types of Credit Inquiries: Hard pull inquiries: It generally happens when the financial institutions, like credit card issuers or lenders, check your credit report before lending you any amount. It commonly takes place when you apply for the home, auto loans, or credit cards. The hard inquiries could possibly affect your credit score by a few points. The damage caused to your credit score basically decreases or disappears with the passing time. Soft pull inquiries: It occurs due to the existing creditor who pulls your credit report to verify your credit situation. It might happen without your permission, but these have no adverse effect on your credit scores. How to remove the inquiries? All the credit inquiries might disappear from your credit report after two or more years. But, if you do not want to wait for so long, then you might follow these steps: Step 1: The first thing you need to do is to find out the credit inquiries that are creating troublesome situations for you by ordering all of the three credit reports. When you get those reports, just look to the end of your credit report in order to find out the inquiries. Some of them are only promotional and never shown to the lenders. So, you don’t need to worry about it at all. Only identify the ones that supposed to be shown to the lenders. You could recognize some of them, but the others might be a mystery for you. Step 2: Do find the address of each credit inquirer. The Experian report would list the addresses for each. Match the reports of the Experian with the reports given by the TransUnion and Equifax by using the same address list of the Experian. If you find some of the inquirers that doesn’t appear on the Experian, but appears on either Equifax, or Trans Union, then you should call the credit bureau for their address. Once you are done with this, you could move to the next step. Step 3: Send letters to each creditor inquirer asking them to remove their inquiry. As according to the law, only the authorized inquiries could appear on your credit report and you could challenge them, if they don’t have the proper authority to pull your credit file. Step 4: Some of them might show you the documents signed by you that give them the authorization for your credit inquiry. So, read the authorization form carefully, if you find any complications, you could write back and put an argument regarding its removal. You could also threaten them to take the help of the State Banking Commission for such a deceitful and vague authorization form. Summary: How to Remove Credit Inquiries So, before you apply for any loan, take time to check and, if necessary, build up your credit score. A good score improves your chances for loan approvals at the best terms and rates. Facebook LinkedIn Twitter Judgment on your Credit Report? Top 4 Ways to Resolve Them November 10, 2016 Judgment on your Credit Report? Top 5 Ways to Resolve Them Owing money that you cannot pay back is scary thing. This can cast a shadow over many parts of life, from finding a job to applying for a car loan. But, what may be even worse is finding out that you have already been sued for debt and didn’t even know about it. If a creditor or collection agency has sued you then that results in a money judgment. This means that a court has ruled against you and your debt is a matter of public record. A Judgment on your Credit History with loan defaults and repossessions is one of the biggest negative hits to your credit score. FICO score considers these judgments as negative, whether it is paid or unpaid. And, once the judgment is satisfied the status will be updated on your report to show that it has been satisfied or settled, but it will not be deleted immediately. So, you could easily judge why removal of judgment from credit history is pretty big deal. Here are five ways to deal with a judgment: Fight back the decision: Most debt judgment are not available to consumers. Often these one-sided default judgment can be erased, giving the debtor another chance to fight the charges. The creditors case may even crumble in court, if it lacks document. However, trying to handle it yourself is bit tricky. Get in touch with experts, if you believe that you are victim of improper service. Pay it off or settle it: One of the main things people will do to get a judgment taken off from their credit report is pay it. Either full or partial, pay your debt to owe a part of negotiated settlement. A settlement in ready funds is a bird in the hand. Make sure the creditor agrees with “Satisfaction of Judgment” when you pay or settle down the agreed amount. Remove the judgment from credit score: Remove a judgment from credit report and watch a significant increment in credit score. File a motion to have judgment vacated based on technicality errors in the complaint or the judgment moved to another state, or the collection agency did not validate the debt. You could also file motion judgment vacated on the basis of discrepancies in the notice. Stay judgment proof: All legal protections exempt collection charges on people with fewer assets and least income. However, it does not mean ignorance of judgment. It’s your job to check that property, your belongings and wages completely protected from seizure by a complex web of state and federal exemptions. You need to take culinary steps to head off wrongful collection attempts, before it takes away everything. Summary: Top 5 Ways to Resolve a Judgment on your Credit Report Deal with the judgment in an effective manner. As judgment could almost have negative effect on your FICO score. Reach out a company that works on judgment settlement and see if there is an alternative that might work. Facebook LinkedIn Twitter Garnishments on Your Credit Report – 4 Ways to Resolve Them October 24, 2016 Garnishments on Your Credit Report – 4 Ways to Resolve Them Ignoring your contractual debt obligations can have a very serious impact on your financial status. Garnishment, a creditor’s last-chance attempt at debt collection, hits debt holders where it hurts; their ability to fill the gas tank, pay the bills, and feed their families. It is something that you should try to avoid at all costs. When facing debt that can’t really be paid, the best plan of action is to act early and speak to your creditors to see if you can negotiate a payment plan or achieve some sort of payment arrangement. If debt goes unpaid and overlooked, the court may interfere by issuing a judgment requiring your employer to “garnish” or withhold a bit of your wages or financial balances to pay back the debt. The road to wage garnishment can be long and winding. Here are four things you can do to deal with wage garnishment on your credit report: Stay in touch with your creditor: Wage garnishment is typically a final effort by creditors to squeeze some cash out of you when they cannot seem to get you to pay your debt with a certain time frame. If you ignore them or refuse to talk to them, you put yourself in a weaker position. Try your level best to stay in contact with the creditor and work on building up a reasonable payment plan. Showing the creditor you have every motive of paying back your debt may urge them to back off for now. A creditor is much more willing to work directly with a consumer to avoid court and attorney’s costs associated with obtaining a judgement and ultimately a wage garnishment. File an appeal: If the wage garnishment gets approved by the court, you have all the rights to file a “claim of exemption” which shows that you cannot avail this type of pay cut as your paycheck covers all your basic living costs, including insurance, grocery bill and housing. You will need to show to the court that you would basically get behind on your consistent bills if your wages were garnished. If the court gets convinced that the garnishment will worsen your financial condition even more, they may prevent the creditor from garnishing your wages or ask the creditor to reduce the amount that is to be garnished. Pay the judgment amount: If you do have some funds available to pay off the full debt within ten days of the judgment, the court can put a stop on the garnishment process altogether. Before that, make sure you are aware of the judgment amount and pay it off in full as soon as you can. Summary: Resolving Garnishments on Your Credit Report Being aggressive when creditors are coming after you can help prevent this drastic step altogether. Try your best to work out a repayment deal with your creditors so that they stay confident that you will pay the debt within a particular time frame. This is the best way to keep creditors off your back and stop garnishments on your credit report. Facebook LinkedIn Twitter How to Remove Tax Liens from your Credit Report September 5, 2016 How to Remove Your Tax Liens from your Credit Report Tax lien is the right of the IRS or state or country to take possession of the property in-case of negligence in paying property tax or income tax. It is filed in-order to force the tax-payer to pay his/her outstanding tax amount. However, when filed it is also recorded in the public record and then added to the consumer credit report. It can be viewed by anyone including credit reporting agencies. Tax lien has derogatory impact on the credit score. Consumers with no other credit issues could lose 100 points with tax lien. Being one of the most difficult credit issues to overcome, it can stay on the credit report for 7 years and in certain situation, forever! Unlike other collection accounts, it is not mandatory by the law to remove it from credit report after 7 years. According to Fair Credit Reporting Act (FCRA), the tax lien may be removed from credit report, 7 years after the date of payment of outstanding tax amount. So, How do you remove tax liens from your Credit Report? The good news is that It is possible for consumers to remove the tax liens prior to 7 years, as long as it’s paid. The ‘Fresh Start Initiative’ from IRS has released new policy to handle tax liens. Full payment of outstanding tax amount will facilitate taxpayers to withdraw lien from credit history, upon request. Some eligibility criteria facilitates taxpayers to withdraw after a minimum of 3 payments towards the payment agreement. However, it should be noted that removing tax liens from credit history is not always possible, but customers can try a number of steps to get the lien removed. Do You Qualify? You may request to withdraw tax lien for credit report if: You have paid the full amount you owe and lien has been released For past three years, you are in compliance with providing your individual, business returns You are up-to-date on your tax payment and deposits You owe $25,000 or less and have agreed on the direct debit installment payment toIRS, from your back account automatically. You could ask tax professionals to learn more about the eligibility criteria. Pay the Outstanding Tax Amount: After full payment of you due, you may receive the IRS Form 668(Z) for ‘Release of Federal Tax Lien’ Fill out IRS Form 12277 for ‘Application of Withdrawal’ Submit ‘Notice of Federal Tax Lien’ IRS Form 668(Y) along with above two form to IRS and provide explanation of why you want your tax lien to be withdrawn. You may receive the IRS Form 10916(c) for ‘Withdrawal of Filed Notice of Federal Tax Lien’. It is also filed in the recording office where the original NFTL was filled. You may produce these documents to the credit reporting agencies or ask IRS to to notify them. Summary: How to remove tax liens from your credit report Above all, send a goodwill letter to all three credit bureaus, explaining your full payment of outstanding money. Give honest reason why you defaulted. Address the issues behind tax lien and steps you took to pay what you owe. Moreover, be patient! The complete process may take months to reflect on your credit report. Facebook LinkedIn Twitter Length of Credit History – Does it matter? August 7, 2016 Length of Credit History – Does it matter? A credit history is an assimilation of number of accounts in your credit reports, payment history, your amount of debts, and the score that is obtained after analyzing all these details. This information is used by lenders while giving loans or selling expensive products. Lenders will be basically interested in the “length of credit history” when they evaluate the paying capacity of borrowers. By length of the credit history, it means how long you have had taken credits and where does your credit score stands currently. What is Length of Credit History It simply means how long you have had credit; the age of the information in your credit history. Your credit report also has an age like every other tangible asset you possess. And, that age of the credit report has a 15% impact on your overall credit score. Hence, a positive or a negative credit history may influence your credit score likewise. In the world of FICO score, the Length of Credit History has a significant impact on your total credit score. This is one area where you have very little control and it is highly imperative that you develop a thorough understanding of this concept. How is it calculated? By knowing how Length of Credit History is calculated, you might be able to control it at some point. Credit specialists have suggested various ways and points from time to time to calculate this in the most appropriate manner. Of all the information obtained, here is the summary of factors that play a role in the calculation of the age of credit history: 1. There of customer’s oldest credit account 2. The average age of all the credit accounts opened to date 3. The age of customer’s newest credit account 4. Length of different types of credit accounts that has been established 5. Length of different types of credit accounts that has been consistently used Out of all these, the age of the oldest account and the average age of all the accounts used to date play a crucial role. How you can use your length of credit history to improve your FICO score? It all comes down to your current FICO score. In general, active and current accounts have a larger influence on your current FICO score than the older accounts. The most recent activity has a greater impact on the overall credit score. However, if you have an older account that is debt-less and still active, it will fetch you a very good score than a recently opened credit account. Having old account can be, therefore, highly beneficial when it comes to improving your credit score. Summary: Length of Credit History Hold on to your older accounts and think twice before closing them. With older accounts active, you can easily score high in this category. Facebook LinkedIn Twitter Life after Bankruptcy – 10 Strategies to Rebuild Your Credit Score July 27, 2016 Life after Bankruptcy – 10 Strategies to Rebuild your Credit Score Bankruptcy inflicts financial misery on more than a million Americans every year. This is most damaging thing that can happen related to credit reports. A bankruptcy may be listed on your credit report for up to 10 years and there is a good chance your credit score will be rather low until you take the necessary steps to rebuild your credit. Rebuilding your credit score after bankruptcies is the real way to get back on a better financial path. Take necessary steps to rebuild your credit score. But before that, it is important to understand why it is effective for creating a great financial future. While applying for car loans, credit card, the financial agency or say banks first looks at FICO score and credit history to determine the liability of applicant. If the FICO scores are amidst 700 or more, means you have good score, but if lies below, it needs rebuilding. Here are some suggestions for rebuilding FICO score after bankruptcy. Adopt these strategies to rebuild the score that all work, to some effect. Rebuild your credit score with a secured credit card: You may need to apply for secured credit card once come out from bankruptcy so you have the convenience of not carrying cash. With secured credit card, you make a deposit into its account and you can make charges out of it like a regular debit card. Keep paying non-bankruptcy accounts on time: All loans are never included in bankruptcy. Keep paying on non-bankruptcy accounts on time, as positive payments will improve your credit score. Also, keep up payments on accounts that aren’t on credit report because this could be reported later and cause downfall in credit score. Review the credit report: If there’s bankruptcy on your credit report, it does not mean you ignore reviewing it. Review the credit report annually and obtain a copy for any erroneous information or inconsistencies. Pay bills on time: Prioritize on time payment of bills and due to prevent non- essential spending. Set up reminder on calender to pay bills every month on due date. Do not close accounts: Closing account and swearing off all credit card is not the right action to build credit score. Rather, it reduces the amount of credit available. Therefore, it is better to keep the credit lines open. Avoid utilizing a large amount on your credit available: Utilization of high credit during bankruptcy signals to financial trouble. Keep your debt balance to 20% or less than the credit limit all the time, even pay of the balance in full each month. Make a budget and limit your expenses: Figure out what you can afford to pay every month on your debts. Your budget will help manage cash flow and prevent from racking up unnecessary debt. Know the limits on your credit card to keep your balances below them. Add a loan down the road: Credit loans are like secured cards, which are often small amounts and are reported as positive account as long as payment are made. Buy a vehicle that is affordable and you can pay off successfully. Your credit scores will climb without any fail. Paying of debt: Paying of debt on time is No.1 method for improving credit score. If you have debts then bankruptcy could not wipe out. The credit score may fall and you would not get a new credit. You could erase a bad credit history and stay under a healthy credit limit. Go out of guilt and shame: Many Americans battling the lingering effect of great recession. Let of the shame to go and don’t dwell on negative thoughts. Adopt the right attitude, become more disciplined and educated, not to repeat the mistake again. Summary: Rebuild your Credit Score These 10 suggestions will surely work to build credit after a bankruptcy. However, the most important lesson is to be patient and follow the guidelines, uninterruptedly. Facebook LinkedIn Twitter How to Remove a Late Payment from Your Credit Report July 5, 2016 How to Remove a Late Payment from Your Credit Report With many families struggling with rising living costs, the problem of late credit payments continue to grow. So what happens if you just don’t have enough to cover the minimum payment this month? Well well well let me inform you that, late payments on loans and credit cards can have devastating consequences on your short-term financial future. It will hurt your overall credit health and make you a riskier applicant in the eyes of lenders and renters. Banks and issuers consider payment history when evaluating your credit risk and deciding whether or not to approve your credit. So, late payment can be a big deal and turn detrimental to the process. It can drastically lower your credit score and make it difficult to get a good interest rate on a loan in the near future. So, it’s essential to get the late payments removed immediately. Here are the basics of how to remove a late payment from your credit report. Get your credit report: If you couldn’t figure out that whether you have made any late payment or not, then get a copy of your credit report immediately. Sometimes, a creditor doesn’t report about your late payment to the credit bureaus. So, before getting into the trouble of removing the same, you need to know whether the late payment made is showing up on any credit reports or not. Contact your creditor: If you become sure that your credit report holds a late payment status, the first and foremost thing you need to do is contact your creditor. Because he is the only responsible person for reporting about the same to the credit bureau and has the competence to erase it from your credit report. Ask them to remove it: Contact your creditor and immediately let them know the reason for contacting them. Request them straight away whether they can erase the late payment from your credit report. Furthermore, if you are still a client of theirs, they may be willing to evacuate this late payment as a demonstration of great will. At last, the creditor will need to hold you as a client and will expel the late payment from your credit report. Negotiation: At times, you may have the capability to negotiate with them on this matter. For example, if you have not made your payment, inquire them if they will delete the late payment from your credit report in return for your payment. Sometimes, they will help you in order to get your money. Dispute with credit bureaus: If the late payment is illegal, you ought to discuss about it with the credit departments. Mail a duplicate of your credit report to the acknowledge authorities highlighting the late credit payment. Send a letter requesting them to evacuate the late payment and giving proof that the payment actually was not made late. Summary: How to Remove a Late Payment from your Credit Report Late payments are not only bad for your credit scores, but also assumed to be one of the worst things you could do to your scores. So, timely bill payment each month is one of the essential ways to manage your credit score, suggesting that you are a responsible and reliable borrower. Facebook LinkedIn Twitter Vehicle Repossession – Everything you need to know. June 5, 2016 Vehicle Repossession – Everything you need to know. A personal vehicle is a necessity for everybody and is one of among top big expenditures. Chances are, it is bought on finance. This also brings the dangers of repossession by the finance company or the creditor. After leasing or availing finance for a vehicle, the creditor has certain rights till the debt is repaid. These rights also include repossession of vehicle in case of default. Creditor has the right to repossess or take back the vehicle without any prior notice or warning and even from your own property. The law, however, vary from state to state. According to some law, your creditor can also sell the bond to someone else, called as the assignee. This also inherits all rights from the creditor to the assignee. Their Limitations: Repossession can be voluntary or involuntary. Former, is when you give the car back to the lender. Later, is when they come to take it back. Some state may allow them to take it from the owner’s property without permission. However, they must do it without disturbing you or the neighbor. In some states, breaching the peace of the society could mean aggressive threating and using physical forces. This also limits them from repossessing the vehicle from your closed garage. In such actions, they are entitled to pay for your damage. This gives you the advantage to use it during the deficiency lawsuit. Creditors are not entitled to keep any personal property found in the vehicle. They must let you know, what items were found and how you can retrieve. If you do not claim your property, eventually it will be considered abandoned and will be disposed of. Your Credit Score: Repossession will have a derogatory impact on you credit score. The fact that you have defaulted, this may damage the credit score. It will further be listed in the public records of the credit report. In case the lender obtains deficiency judgment, it will be added to the credit report too. They will remain in the report for up-to 7 years. Getting Your Car Back: Even after a vehicle repossession, you can get the car back if the lender hasn’t sold it yet. You can redeem the car by paying the balance debt including additional repossession charges. However, it is uncommon among the buyers. Furthermore, you may be allowed to reinstate the car by paying off the arrears and other charges. You need to continue paying your regular debt amount. When being sold in the auction, you could bid to buy it back. However, you will still have to pay the deficiency balance. A vehicle repossession is common in America. Millions of cars are being repossessed every year. Moreover, it has extended to all sorts of goods like electronics, boats, equipments and more. As the stakes are high and it will cost you your credit score as well as reputation, repossession must be avoided at all cost. Facebook LinkedIn Twitter What is a FICO Score? May 15, 2016 What is a FICO Score? People who would like to get into any type of financial transaction need to know what is a FICO Score? It is one of the best and most popular ways in the USA for assessing someone’s credit or money viability. A type of credit score which help prepare an appropriate credit report that lenders generally use to assess the applicant’s credit risk and make a decision whether to give a loan. It was invented by Fair Isaac. FICO represents the Fair Isaac Corporation, and the word, “score”, represents the assessment. It computes the scores to assess a person’s monetary status, transactions and the financial move. Actually, it’s your credit score that makes you eligible or not-eligible for a credit loan. The score determines your repaying ability to a loan. It is based on five factors, that are your paying ability, the amount you have to repay, the credits you had, the new credit you have, and the types of credits you are using. If you score high, you could get your loan approved at lower interest rate. Past and current credit affairs like your accounts open date, types of accounts, last use and default computed as well. The score comes in a three digit number that ranging between 300 and 850 and it decides your chances. Obtaining a high score that is above 600 reflects your ability in controlling your finances in a great manner and your creditworthiness. Your probability of being granted a credit loan by the banks and creditors increases to a great extent. On the other hand, if you score less than 600 it shows that you are not in control of your finances. The banks or creditors might also say no to pass your loan or approve it at a much higher interest rate or just give you pretty less amount. FICO does not see the amount you make, where do you work, how long you have been working or worked, your age, sex, color, race, religion, or the kind of job you are doing. What it sees is your percentage scored. Listed below are the percentages for each part: For payment history, it is marked 35 percent. For amount owed, it is marked 30 percent. For the length of credit history, it is marked 15 percent. For new credit, it is marked 10 percent. For types of credit, it is marked 10 percent.Your FICO score is not the end of possibilities to obtain a decent interest rate. You could increase your scores by improving some of the important factors like reducing the amount of your outstanding debts, your payment history for a start. A number of things are there that could assist you in achieving the final score. You just need to go through in detail and find out the areas that need a boost to re-build your current credit scenario. Facebook LinkedIn Twitter Understanding Your Credit Report April 17, 2016 Understanding Your Credit Report Ever wondered why you were denied that car loan you applied for last month or the house loan that was not approved? The reason could be a ‘bad credit score’. It is not difficult to lose your credit points and a small delay in bill payment or untimely settlement of debts can have grave effects on your overall credit score. Even if you had a good credit score a few months ago, the figures will plummet before you know it. It is, therefore, highly crucial to understand the key aspects of your credit report. Understanding your credit and what influences it is the key to having a better credit score. Once you gain complete knowledge about the subject, maintaining it will just be a cakewalk. What is a CIR (credit information report) While a credit report is the numeric summary of your credit history, a CIR or Credit Information Report is an account of the entire payment history of the individual. This has been calculated from the time you first received your Cibil TransUnion Score, another name for credit score. What constitutes your CIR Your CIR is the assortment of the Cibil TransUnion Score, and other important details of employment, bank accounts, credit cards, etc. Below are the key sections in detail. Cibil TransUnion Score – A credit score ranges between 300-900. A score above 700 is considered good Personal details – Contains complete and authentic personal information, address and telephone details Employment details – Income details that have been earned by you as an employee Account Information – Details of all the credit facilities and banking transactions related to your account such as account numbers, ownership details, date of last payment, loan amount, loan details, current balance, and so on.Every time you are applying for a loan, the respective lender or institution accesses your CIR. Understand your credit report and make sure that these elements are always up-to-date. Know about Credit Bureaus One important thing to know when developing an understanding of your credit report is the Credit Bureaus. Credit Bureaus are the bodies that keep a track of your entire financial history, along with the credit report to date. Three major credit bureaus are involved in the process – Equifax, TransUnion, and Experian. FICO Score FICO or the Fair Issac Corporates creates a credit score for every individual that is used by top lenders while they consider offering credits. Summary: Understanding Your Credit Report Each lender has its own strategy to assess that helps them decide whether the concerned candidate is suitable to receive a credit. If you identify the areas that these lenders use in order to assess your credibility, you can easily sort them and work towards their improvement. Once you get a better hold of these key aspects, you can easily create a good credit score. Facebook LinkedIn Twitter 1 2 3 … 5 Next → Apply Now! $2,000 Rebate Bad Credit You can buy a used car regardless of your credit! Bankruptcy If you’re buying a used car and have a bankruptcy, no problem! No Credit Even if you don’t have a credit history, we can still help! Contact, Business Hours, & Location Links: Salt Lake City Ogden Sandy We have our very own Service Center for all your maintenance needs! 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