Uncategorized Archives - credit1solutions

Understanding Debt Adjustment & Its Impact on Credit Scores

Debt Adjustment: A Smart Alternative to Financial Freedom If you’re struggling with high-interest debt or overdue balances, you may have considered debt settlement or bankruptcy. However, debt adjustment is a lesser-known yet powerful option that allows you to reduce payments, lower interest rates, and regain control—all while protecting your credit score. Unlike debt settlement, which can severely harm… Continue reading Understanding Debt Adjustment & Its Impact on Credit Scores

Debt & Security Clearance – How to Avoid Denials | Credit1Solutions Expert Guide

How to Maintain Good Credit and Avoid Clearance Denials Your financial responsibility is just as important as your job performance when holding a security clearance. Follow these credit habits to protect your career: – Pay bills on time – Set up auto-payments to avoid missed due dates. – Keep your credit utilization low – Stay… Continue reading Debt & Security Clearance – How to Avoid Denials | Credit1Solutions Expert Guide

How Metro II, Data Furnishers & Credit Reporting Errors Impact Security Clearance – Credit1Solutions Expert Guide

When applying for security clearance, financial records undergo intense scrutiny by government agencies and defense contractors. However, most decision-makers evaluating security clearance applicants are NOT properly trained in Metro II compliance, CRRG codes, and FCRA/FDCPA laws—leading to critical errors that cost thousands of military personnel and government contractors their clearances and careers every year. Many applicants are… Continue reading How Metro II, Data Furnishers & Credit Reporting Errors Impact Security Clearance – Credit1Solutions Expert Guide

What is the Credit Repair Organizations Act?

The Credit Repair Organizations Act (CROA) defines how credit repair organizations are allowed to operate.

Resource Helps Renters and Landlords Find State and Local Programs Distributing Federal Rental Assistance

CFPB Launches Rental Assistance Finder for Pandemic Aid Introduction to the Rental Assistance Finder On July 28, 2021, the Consumer Financial Protection Bureau (CFPB) unveiled an online tool aimed at supporting renters and landlords affected by the pandemic. The Rental Assistance Finder, accessible at www.consumerfinance.gov/renthelp, guides users to state and local payment assistance programs for… Continue reading Resource Helps Renters and Landlords Find State and Local Programs Distributing Federal Rental Assistance

Customer Assistance Directory

Fair Isaac Credit Score Hotline

E-mail CBHelp@fairisaac.com

(800) 777-2066

Customer Credit File Rights under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate,

Consumer State Protections

Each of the 50 states have additional laws to protect consumers regarding credit repair. We invite you to find your state and review the additional regulations; research and take advantage of these protections.

Credit Report Guide

This section lists your name and address, the date it was first reported to the credit bureau by one of your creditors, and the date the information was last updated. This section also lists the name and address of your current employer. If your report contains information about any previous employers, it will also be listed.

Credit Terms Glossary

Understand, Build and Manage Your Credit whether you’re buying a home, a car or applying for a credit card – Terms are used and you may not know of its meaning so we put together a list of the most common terms out there. Accelerated Payment Scheduled payment plus additional monthly payment. Leads to quicker… Continue reading Credit Terms Glossary