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Credit Facts

Get the facts! There is a lot to know about how consumer credit works and how your actions on a daily basis can affect your ability to access credit. In tough times knowledge is key to credit success. Our commitment is to help you be better informed about credit and credit related issues.

What is a FICO Score?

Did you know there are many different score models and vendors who provide scores? Learn the basics of consumer credit scores. Read more

Dispute Errors on Your Credit Report

Credit report disputes have become a dirty word. The truth is that if you have legit errors on your report, you have a right to dispute it. In terms of your credit health, it is a must. Read more

How long will a bankruptcy stay on my credit report?

Bankruptcy is a highly negative impact on a credit file. Be sure you know the impact before you file. Read more

How do I get a free credit report?

Since the FACT Act, all consumers are entitled to a free copy of their credit report annually from each major credit bureau. Read more

Buy Your Credit Report Today Buy one two or all three reports by visiting our office and picking it up! You can speak to our knowledgeable staff about your report and even add your credit scores.
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This site is a consumer resource courtesy of Sarma. Sarma has been a credit reporting agency since 1907. Check our web site to learn more. Copyright Sarma © 2010. All Rights Reserved
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