Repair Credit Score

You and your spouse are considered to be two separate entities as far as credit goes. However, you
have the right to have each other's credit information appear on each other's credit reports.

When you have good credit score and your spouse has poor credit score

Request for credit reports to be merged

If you have good credit score and your spouse has poor credit score, you can help your spouse's credit by having your information appear on your spouse's credit report. To merge your credit report with your spouse's credit report, you need to use the Letter Requesting Merger of Spouse's Report to request the credit agency to do this.

Request for credit reports to be separate

You also have the right to have each other's negative credit reports removed from each other's credit files. If your spouse has terrible credit and it shows up on your credit report, you need to request that it be
removed from your credit report. Then you can use your good credit to apply for loans and credit cards
that can benefit you both. In order to request negative credit report to be removed, you need to use the Letter Requesting Individualization of Credit Report.

Disputing credit report items

If you are unclear about anything on your own credit report, do not hesitate to call the company that prepared it. Credit reporting agencies are not your creditors, and they will not harass you for money if you call them. Call and ask for an explanation of whatever you do not understand.

Question: In Canada, where can you get your credit score?

no online places because i dont think those are safe. unless you've tried it yourself and can tell me that it is safe.

Answer: there is one in london or hamilton where u can ask to send you a free written copy of your credit history

Credit Repair Canada How to Fix your credit score

Question: My PLUS score is 552, so what is my FICO score?

I know that the PLUS score is not good. I had bad credit debt, which I completely paid off. I now have credit card debt again (about 10,000), and I have been late this last two months paying them off. I got my tax return and paid two credit cards off completely. I have never been late before. I have a car loan, and I have never been late making a payment. What can I do to increase my credit score?
I don't have a credit monitoring system. I got the PLUS score free through Amex.

Answer: For starters, cancel that credit monitoring services. It's a waste of our money. That Plus score is a fakko. Creditors use FICO scores. Equifax is the only credit bureau that will sell you a FICO score. You can also purchase your FICO scores for Equifax and TransUnion at MyFico.com. Consumers can no longer purchase a FICO for Experian.

Second, paying off derogatory items won't improve your score. The damage is done and they will remain for the balance of the 7 year reporting period, paid or not.

The only way to rebuild your credit is to stop ALL the late payments. The worse thing you can do is pay late. You need at least 24 months of consistent, on time payment history before you will see any improvement in your score.

Credit Score Plus - Phoenix