Credit Fairy

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Understanding Credit
The Credit Fairy has information and resources to help you increase your knowledge and build your credit rating.

credit basicsYour credit score is used by lenders and others to predict the likelihood of a default.  Before you can take steps to improving and building your credit you must first understand it.

Credit Basics– What is credit, what is a credit history and how it affects your life.  Types of credit.

What’s in your credit report and what’s not in your report.  Glossary of credit terms.

Know your credit score and the factors that go into your credit score.  What’s not in your score.

Managing your credit and Setting credit goals.  Fixing your report. Read the fine print. Re-establishing credit after bankruptcy, divorce, foreclosure, default.  Get a credit card regardless of credit, compare offers.

Using Federal Laws to your benefit.


    The laws allows you to dispute items on your credit reports.

The law (Fair Credit Reporting Act) gives consumers the power to affect the information and retain professional help in doing so.  Our associates have decades of experience dealing with the credit reporting system.  They understand the system and can save you time and money. We do all the work for you and make sure your credit reports don’t have any mistakes or false negatives and other inaccuracies which will can effect credit scores and  borrowing opportunities.  Let the Credit Fairy help.credit fairy


Does the information on your report show information that is…

  • Erroneous?
  • False?
  • Inflated?
  • Questionable?

Erroneous derogatory Information …

  • No Credit History
  • Too Many Inquiries
  • Charge-Off Errors
  • Fraudulent Collections
  • Late Payment Errors
  • Identity Theft Problems
  • Mechanics Liens
  • Duplicates Entries
  • Short Sale/Foreclosures
  • Wrong Personal Info
  • Expired Debts
  • Outdated Information
  • Ex-Husband/Ex-Wife