All Articles


Tips for the Self-Employed to Get a Mortgage Loan

The housing crisis caused mortgage lenders to tighten lending standards. Borrowers with a regular salary have … [Read More...]

Identity theft and Social Security card

One More Reason to Stay Away from Credit Profile Numbers

A quick search on Google will bring up numerous Youtube videos and companies offering CPNs. I get several … [Read More...]


Easy way to rebuild credit history without taking on debt

People often associate credit cards with debt. But having credit cards does not mean you have to take on debt. … [Read More...]

Couple lying down with bills

Debt validation lets you question the validity of a debt

You can request that a debt collector verify the amount and validity of a debt they claim is owed by you. A … [Read More...]


4 Actions that cause low credit scores

Credit scores measure behavior in terms of how well you manage credit and debt. There are several components … [Read More...]


Consumers dealing with Portfolio and Encore may be due a refund

Two of the Nation’s Largest Debt Collectors Will Refund $60 Million to Consumers In September the Consumer … [Read More...]


Beware of Misleading Debt Elimination Schemes

The promise to wipe out your debt may seem like a dream come true as living debt free is the goal of many … [Read More...]


Statute of Limitations on Credit Card and other Debt

Your debt may be uncollectible. Review your State's Statute of Limitations on how long you can be sued for an … [Read More...]


Paying off credit card debt may significantly raise credit scores

Assuming you do not have a ton of collection accounts, charge-offs, public records or late payments; high … [Read More...]


How to add positive credit to your credit reports

Consumers with bad credit often only concentrate on removing negative information while repairing credit. But … [Read More...]

Man in living room using laptop and holding credit card smiling

How to build a credit history when you have no credit score

With no credit history, a secured credit card may be the only way to build a credit history as long as it is … [Read More...]


Inquiries without a permissible purpose can be removed

Credit inquiries can remain on a credit report for 2 years. There are two types of credit inquiries - one … [Read More...]

Not listening

8 Reasons You Cannot Ignore Bad Credit

As more companies use personal credit to make decisions about you, bad credit can no longer be ignored. In … [Read More...]


Fannie Mae’s HomeReady Program to include household income

Fannie Mae is making it easier for low- to moderate-income households to qualify for a mortgage loan. The … [Read More...]


Overview of the Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collection Practices Act protects consumers against unfair conduct by debt collectors. There are … [Read More...]


How to pad your credit report if you have negative items

The effects of good credit go well beyond getting approved for a credit card or loan. Potential employers may … [Read More...]


How to improve credit scores with a goodwill letter

Send a goodwill letter to your credit card issuer or lender to get negative items removed from your credit … [Read More...]

why credit applications are denied

Top 5 Reasons Your Credit Application was Denied

A denied credit application can be shocking if you were counting on making a purchase. Whether it's a major … [Read More...]


Lower credit scores are not a deal breaker with VA Mortgage Loans

There are not many options for mortgage loans if you have low credit scores and no down payment. VA home loans … [Read More...]


7 ways to avoid being trapped into overdraft fees

Overdraft fees remain a huge revenue source for banks despite financial regulations. They are enormously … [Read More...]


Demystifying Credit Scores: 5 Factors that make a score

FICO scores can be a mystery. FICO is the most popular credit scoring model used by 90% of banks. While the … [Read More...]


Do Prepaid Cards Build Credit Scores

Let’s get this out of the way first -- Do Prepaid cards build credit? Absolutely Not. No matter what you’ve … [Read More...]


4 Facts a fake debt collector hopes you don’t know

Never confirm such personal information with any debt collector over the phone. Social Security number, … [Read More...]

Calendar Pages and Clock

What is the FCRA Compliance Date aka DOFD

The Fair Credit Reporting Act (FCRA) Compliance Date determines how long some negative credit items such as … [Read More...]

what consumers with high credit scores do

5 Traits of Consumers with Perfect Credit Scores

If achieving the highest credit score possible is your goal or if you want to get as close to perfection as … [Read More...]