Financial Literacy Resources
Discover Financial Success with T and T Credit Repair & Counseling
Are you seeking a loan for your next home or apartment? Maybe a brand new car, or another credit card? Having some trouble with your credit score? Worried about how it may affect your financial life? Well, look no further because here at T and T, we’ve got your back! Our sources are here for you to explore! Learn how to fix and improve your credit score, discover the secret to financial success! All that and so much more are just one click away!
101 Powerful Tips for Legally Improving Your Credit Score
Before you start boosting your credit score, you need to know the basics. You need to know what a credit score is, how it is developed, and why it is important to you in your everyday life.
Repairing Your Credit
The very first step you need to take when trying to raise your credit score is to find out what your score is and what it means.
No doubt you are wondering “what exactly is credit repair?” First, let me tell you what it is not. Credit repair is not a fix-all. It takes time and effort but under many laws and regulations, such as the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA), you have rights you probably don’t know about, and your creditors pray you never find out.
Inquiries can remain in your credit reports for up to 2 years from the date of the inquiry. Each inquiry can drop your credit score by 3-10 points. We assist to review invalid inquiries in your report and if necessary, submitting a request for removal.