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    HOW TO HANDLE THIRD PARTY COLLECTION ACCOUNTS
    The Credit Laboratory - Research Team
    • Mar 6
    • 8 min

    HOW TO HANDLE THIRD PARTY COLLECTION ACCOUNTS

    A third party collection is an account that is past due 120 to 180 days or more and the original creditor has given up hope of receiving...
    110 views0 comments
    Should I Rent To Own My First Home?
    The Credit Laboratory - Research Team
    • Jan 19
    • 3 min

    Should I Rent To Own My First Home?

    Is Renting To Own A Home A Good Option? When you purchase a home whether you decide to purchase through a mortgage company, bank, or rent...
    6 views0 comments
    Credit Bureaus Under Fire Again!!! CFPB Releases Consumer Response Rates Are Officially Under 2%
    The Credit Laboratory - Research Team
    • Jan 8
    • 2 min

    Credit Bureaus Under Fire Again!!! CFPB Releases Consumer Response Rates Are Officially Under 2%

    Equifax, Experian, and Transunion Have Continually Failed to Respond to Consumer Reporting Errors. The Consumer Financial Protection...
    21 views0 comments
    Are tradelines legal or illegal?
    The Credit Laboratory - Research Team
    • Jan 5
    • 4 min

    Are tradelines legal or illegal?

    Are tradelines considered to be legal or illegal? Tradelines are not illegal. No one has been arrested to date for legally adding someone...
    14 views0 comments
    Is Credit Repair Legal in Alabama
    The Credit Laboratory - Research Team
    • Sep 10, 2021
    • 5 min

    Is Credit Repair Legal in Alabama

    Is credit repair legal in Alabama? Yes, credit repair is legal in Alabama. If you're a resident of Alabama and have a less than perfect...
    27 views0 comments
    Purchasing a home with student loans just got easier
    The Credit Laboratory - Research Team
    • Jul 12, 2021
    • 2 min

    Purchasing a home with student loans just got easier

    When applying for a FHA loan lenders have been using 1% of your total student loan debt towards your debt to income ratio if your...
    14 views0 comments
    Did you know 90% of your credit score is based on how well you handle your credit cards?
    The Credit Laboratory - Research Team
    • Mar 18, 2021
    • 3 min

    Did you know 90% of your credit score is based on how well you handle your credit cards?

    Did you know that 90% of credit score is affected by how responsible you are with your credit cards? If you don't have a credit card...
    5 views0 comments
    Self Lender Has A New Secured Credit Card For Building Credit
    The Credit Laboratory - Research Team
    • Feb 20, 2021
    • 2 min

    Self Lender Has A New Secured Credit Card For Building Credit

    If you have a Self Lender Credit Builder Account you may be eligible for their new secured credit card as well. Almost everyone is...
    29 views0 comments
    Save Money & Build Credit At The Same Time
    The Credit Laboratory - Research Team
    • Feb 11, 2021
    • 2 min

    Save Money & Build Credit At The Same Time

    Have you been getting denied for credit because you have no credit, bad credit, or rebuilding your credit? Are you just out of a...
    9 views0 comments
    Increase Your Credit Score Without Disputing
    The Credit Laboratory - Research Team
    • Feb 2, 2021
    • 4 min

    Increase Your Credit Score Without Disputing

    Having a good credit score and healthy credit profile is very important into today's society. You need credit for almost everything. If...
    26 views0 comments
    How is my credit score calculated?
    The Credit Laboratory - Research Team
    • Nov 26, 2020
    • 2 min

    How is my credit score calculated?

    Once you know how your credit score is calculated you're in a better position to improve your credit scores. Knowing how your credit...
    39 views0 comments
    Credit Repair Services in Mobile Alabama - The Credit Laboratory
    The Credit Laboratory - Research Team
    • Nov 25, 2020
    • 1 min

    Credit Repair Services in Mobile Alabama - The Credit Laboratory

    Are you searching for a professional credit restoration company in Mobile Alabama? The Credit Laboratory is a locally owned credit repair...
    31 views0 comments
    • Home

    • Credit Help

    • Results

    • How Credit Repair Works

      • How To Improve Your Credit Score
      • How To Fix Your Credit Score
    • Credit Education

    • Contact Us

    • Credit Facts

      • About Us
      • Terms and Conditions
      • Privacy Policy
      • FAQ
      • Our Services
    • Client Access

    • Service Areas

    • More

      Use tab to navigate through the menu items.
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      THE CREDIT LABORATORY LLC IS HEADQUARTERED IN MOBILE ALABAMA AT 750 Downtowner Loop STE H Mobile AL 36609