Stacy Evans's blog

Does bad credit stay on my credit report for seven years? Are all three credit reports the same? Will paying for cash get me a better credit rating? Daily, questions flood in from consumers who have lost their way in the credit world. Many rely on Q&A forums with incorrect information from those who have been misinformed about how credit works. That is why it is best to seek advice from a professional credit consultant trained in the legalities of credit. Under the Credit Repair Organizations Act we at Innovative Credit Consultants are obliged to give you the credit advice you need, free. Getting the right information will prevent you from falling for the myths of credit and possibly save you a fortune.

These Fun Facts represent just some of the research I conduct daily so that the ICC team can remain your top source for credit information. Learn about the history of credit as you improve your personal credit future.

We can all agree that good credit gone bad doesn’t hold the same appeal as Fonzie, Danny Zuko or Fiona Volpe. Not paying your bills on time can lead to lasting negative effects if it continues unchecked. Your credit report is something that will follow you throughout adulthood. It is an on going process and doesn’t immediately hurtle into a downward spiral if you make a late payment once every six months. Bad credit takes effort –or lack thereof- and occurs from constant inquiries from those other than you, consistent late payments and collection agency reports. If, for whatever reason, you fall into this category or lack motivation to fix the issue, consider the effects of bad credit.