Credit Basics
How Do Late Payments Affect Your Credit Score?
Late payments have the greatest negative impact on your credit score. Too many will tell a creditor you’re a big risk.
Negative Credit Items
Credit Reports
Derogatory Marks on Your Credit: What Do They Mean?
Derogatory marks on your credit report are negative items that can affect your credit score. These may include a variety
Debt
Help! I Don’t Recognize These Collection Accounts
What to do if a debt isn’t yours? ScoreSense explains how a collection account you don’t recognize can impact your credit score.
Credit Report Disputes
When and How to Use ScoreSense’s Dispute Center
The ScoreSense Dispute Center can help you dispute misinformation on your credit reports.
Credit Report Disputes
How To Remove a Collection From Your Credit Report
Work to remove collections from your credit report by explaining your situation in a goodwill adjustment letter, paying off the debt and disputing inaccurate information.
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