“I didn’t know any of this.” She also didn’t know what exactly she could do. Clark requested her actual credit reports from the so-called Big 3 bureaus, each of which keeps its own records. So was the unpaid debt for the Dodge Neon and her own voluntary repossession — after seven years, some negative entries have to be removed from credit reports. The free reports didn’t include what Clark most wanted to know, however: her credit scores, the credit bureaus’ numerical prediction of how likely someone is to pay back a debt. She found seminars that cost as much as $1,500 but settled on two e-books, “Boost Your Credit Score” and “Do It Yourself!

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Persons: ”, “, Clark Organizations: Facebook Locations: Houston