credit score: That's My Name, But Not My Social Security Number?! - 04/23/15 01:26 AM
Wednesday Q & A
This week's Wednesday Q&A explains why someone's Credit Report might show inaccurate information such as someone else's social secuity number! It can be shocking to see the wrong name or social security number when looking at your credit report. Joe explains how mistakes like this are made and what you can do about it! The answer is surprisingly simple, and concerning!   
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credit score: A 522 Credit Score can get approved for a Loan?! - 04/15/15 04:30 AM
Wednesday Q & A
On Wednesday Q&A this week, Joe gives some excellent advice on Loans and Cedit Cards. He answers the question, "How can I get a loan with a 522 credit score? I have never had a credit card. I need a loan or a creditg card." Found out the possibilities of secured or unsecured loans and how to avoid those high interest rates!   
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credit score: Charged off account with different statuses on different bureaus - 04/08/15 04:07 AM
Wednesday Q & A
This week ‪we‬ answer the question "Can a charged off account be marked as 'closed derogatory' on Transunion AND 'open' on Equifax?" See the answer here!   
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credit score: Dealing with a mixed credit profile - 03/24/15 08:06 AM
Wednesday Q & A
This week on Wednesday Q&A we address what is known as a "Mixed Credit Profile" or what happens when your credit profile contains the information of someone else!   
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credit score: Dealing with Multiple Inquiries - 03/23/15 03:19 AM
Wednesday Q & A
This week on Wednesday Q&A we discuss the impact of multiple inquiries!   
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credit score: Rage Against the Machine - Credit reporting nightmare - 03/23/15 03:10 AM
Who would have imagined that damaged credit could start with something as simple as returning an item to the store?  When Nicole Berstecher returned a non-compatible speaker to a national electronics store, it was promised that the credit would be returned to her store rewards card.   Instead, a year later, she received a collection notice for nonpayment of the high-end stereo. 
 
Although there are measures in place to ensure consumers are alerted to claims, and laws have been passed to ensure reasonable investigation by the Credit Reporting Agency (CRP), many of these cases slip through the cracks.  By the time … (0 comments)

credit score: BIG Mistakes and Their Impact - 01/08/14 05:44 AM
As much as we would like to deny it, we all make mistakes! Some big, some small but mistakes are inevitable! Mistakes like forgetting to take the trash out will pass quickly, spilling red wine on the rug will fade in time, but misplacing a bill or avoiding collection calls can stick with you for years!

How long negative information will impact your credit rating depends on the information reported. Generically speaking and unless disputed, most negative reports will last 7 years. This type of information includes; late payments, Chapter 13 bankruptcy, foreclosures, collections and public records. Chapter 7, the … (0 comments)

 
Joe Orsak, Joe Orsak (Improve My Credit USA)

Joe Orsak

Joe Orsak

Humble, TX

More about me…

Improve My Credit USA

Address: 19635 HWY 59N, Humble, Tx, 77338

Office: (281) 914-4116

Fax: (281) 973-7273

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