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  2. 8 steps to remove old debt from your credit report

    www.aol.com/finance/8-steps-remove-old-debt...

    Savings interest rates today: Money can't buy love, but sweet returns of up to 4.50% APY comes close — Feb. 14, 2025

  3. When does debt fall off your credit report? - AOL

    www.aol.com/finance/does-debt-fall-off-credit...

    To get a late payment or collections account removed from your credit report, you have two options: A letter of goodwill. You can send a request to remove a negative item, like a paid-off debt ...

  4. What is high credit on a credit report? - AOL

    www.aol.com/finance/high-credit-credit-report...

    Credit utilization is the amount of available credit you’re currently using, compared to your credit limit. For example, if you have a balance of $200 on a credit card with a $1,000 credit limit ...

  5. Credit history - Wikipedia

    en.wikipedia.org/wiki/Credit_history

    The amount of debt you have divided by your total credit limit is called the credit utilization ratio. [7] There are three types of debt considered in this calculation. Revolving debt: This is credit card debt, retail card debt and some petroleum cards. And while home equity lines of credit have revolving terms the bulk of debt considered is ...

  6. Fair Credit Reporting Act - Wikipedia

    en.wikipedia.org/wiki/Fair_Credit_Reporting_Act

    Credit bureaus, a type of consumer reporting agency, hold a consumer's credit report in their databases. CRAs have a number of responsibilities under FCRA, including the following: CRAs must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained within a consumer's report; [9]

  7. What is the Highest Credit Score Possible and Is It Achievable?

    www.aol.com/highest-credit-score-possible...

    Higher credit utilization means a lower credit score, and the number may continue a downward spiral over time if balances stay high. Credit history. The average length of credit history for an 850 ...