This Element is an excerpt from Homebuyers Beware: Who's Ripping You Off Now?-What You Must Know About the New Rules of Mortgage and Credit by Carolyn Warren. Available in print and digital formats.
Three powerful, aggressive, and 100% legal ways to improve your credit rating-starting right now! Here's the reality-the insider information I never see written on credit bureau or government Web sites or so-called helpful articles about credit. Late payments may-not must-be reported to credit bureaus. And if someone at Visa wants to not report my one-day-late payment, that is their prerogative. It's not illegal and it's not lying.