Credit Education
Below are a lot of info to help you understand your credit report, your credit score, your rights and how to improve it all.
Application scoring
The use of a statistical model to objectively eval…
Bankruptcy
A proceeding in U.S. Bankruptcy Court that may leg…
Charge-off
The balance on a credit obligation that a lender n…
Collection
Attempted recovery of a past-due credit obligation…
Consumer credit file
A credit bureau record on a given individual. It m…
Credit bureau
A credit reporting agency that is a clearinghouse …
Credit bureau risk score
A type of credit score based solely on data stored…
Credit history
A record of how a consumer has repaid credit oblig…
Credit obligation
An agreement by which a person is legally bound to…
Credit report
Information communicated by a credit reporting age…
Credit risk
The likelihood that an individual will pay his or …
Credit score
This term is often used to refer to credit bureau …
Default
A failure to make a loan or debt payment when due.…
Delinquent
A failure to deliver even the minimum payment on a…
Equal Credit Opportunity Act (ECOA)
Federal legislation that prohibits discrimination …
Fair Credit Reporting Act(FCRA)
Federal legislation that promotes the accuracy, co…
FICO® scores
Credit bureau risk scores produced from models dev…
Inquiry
An item on a consumer's credit report that shows t…
Installment debt
Debt to be paid at regular times over a specified …
Insurance bureau score
An insurance rating based solely on credit bureau …
Late payment
A delinquent payment; a failure to deliver a loan …
Revolving debt
Debt owed on an account that the borrower can repe…
Scoring model
A statistical formula that is used, usually with t…
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With Crediper you can remove negative items, such as:
- Collections
- Late Payments
- Charge Offs
- Liens
- Bankruptcies
- Repossessions
- Foreclosures
- Judgments
- Civil Claim
- Other Negatives
Client testimonials
First and foremost, thank you thank you thank you and thank you!!!!!!! If I wrote a thank you for every negative mark taken off my credit reports, I would run out of space! THANK YOU FOR CREATING SUCH AN AMAZING AND EFFECTIVE SYSTEM.
- C.H. Miami, FL
