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 A credit report is a summary of your financial reliability for the most part, your history of paying debts and other bills. It is prepared by credit bureaus (also known as credit reporting agencies) primarily for use by lenders, employers and others who, under the federal Fair Credit Reporting Act (FCRA), have a legitimate need for the information, such as when you apply for a loan, insurance policy, apartment or job.

How Credit Is Scored. Good explanation of how ones credit is scored. Here is the FICO version.
  Last Updated on 11/21/2012 3:33:00 PM
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The Clark Group is pleased to provide many credit repair resources for those that have had adverse impact to their credit. Whether you have had a foreclosure, gone through a short sale, or simply missed some payments on credit cards, there is a method to the madness so to speak when it comes to credit repair/rebuilding.

Visit the Clark Group of Surterre Properties for more information about real estate, credit, and many resources to help make good financial decisions.

  Last Updated on 1/30/2012 12:27:00 PM
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Credit Karma provides truly free credit scores to consumers direct from the credit bureaus, including a TransRisk score, auto insurance score and Vantage Score! Your scores are retrieved securely with no hidden fees.

Credit Karma is a completely free pro-consumer service dedicated to demystifying the credit landscape. With our credit simulators, free credit scores, credit advice, and credit score comparisons, the goal is to empower consumers to more actively manage their credit and their financial health.

Review individual savings offers from leading providers to maximize your savings potential. Credit Karma shows you the best offers based on your credit report data.

Compare individual credit report categories to national averages. See how the various items on your credit report affect your credit score. Plus, it's completely free!

  Last Updated on 7/7/2012 5:11:00 PM
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This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

  Last Updated on 11/21/2012 12:16:00 PM
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Excellent information on the estimated time for ones FICO score to fully recover from missed payments/short sale/foreclosure/bankruptcy. There is also a link to charts provided to the blog by Fair Isaac Corporation (owners of the FICO mark).

Bruce Clark, a member of the Clark Group with Surterre Properties, earned the nationally recognized Short Sales and Foreclosure Resource (SFR) certification. The National Association of REALTORS® (NAR) offers the SFR certification to REALTORS® who want to help both buyers and sellers navigate these complicated transactions, as demand for professional expertise with distressed sales grows.

  Last Updated on 1/31/2012 1:38:00 PM
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 Information on how to manage your credit health. Everything from "How To Request Your Credit Report", to "Credit Repair" and "Credit Scores", can be found among the featured subjects reviewed on this site.
  Last Updated on 11/21/2012 3:32:00 PM
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 Excellent information and links on issues from establishing credit to declaring bankruptcy. Includes excellent information on do-it-yourself credit.
  Last Updated on 11/21/2012 12:28:00 PM

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