Consumer Bad Credit Guide

Welcome to the consumers guide to bad credit!

Consumer Bad Credit Repair Guide
Read more on credit inquiries.
Statements of dispute, which allow both consumers and creditors to report the factual history of an account. Statements of dispute are added after a consumer officially disputes the status of an account, the account has been reinvestigated, and the consumer and creditor cannot agree about the account status. Both the consumer's and creditor's statements of the account status will appear on the credit report.

Read more on the seven year period here.

You may also want to read on how credit scores are calculated.
Free Credit Scores
Credit Monitoring