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Remove Student Loans due to Permanent Disabled Status

Question: The US Department of Education had me sign and my doctor sign some paperwork. They found that I was … [Read More...]


5 Tips to Handle Collection Accounts

Collection accounts on credit reports can ruin a credit score. There are several ways to handle collection … [Read More...]

Mailbox and mail

Opt-out of credit bureau marketing lists

Experian, Equifax and Transunion are multi-million dollar companies. Consumers may only think of them as … [Read More...]


Ask for Reconsideration when a credit card application is denied

Did you know a credit card application decline is not necessarily the end of story? When you apply online for … [Read More...]


Tips to get a bad credit mortgage loan

As of December 2014, mortgage rates are still at record lows. In fact, mortgage rates are below 4 percent … [Read More...]


How to recover your credit score from late payments

Late payments wreak havoc on credit scores. Payment history is the largest factor of a credit score. The first … [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...]


4 Practices that Could Hurt Your Credit Scores and History

Are you engaging in actions that may hurt your credit score? Credit scores are increasingly becoming the only … [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...]


Can a delinquent account be re-purchased repeatedly?

Question: Can a delinquent account be re-purchased from other debt collectors? If so, how long can that … [Read More...]


States with current down payment assistance programs

I am gathering information on down payment assistance programs for people interested in buying a home in 2015. … [Read More...]


Why Last Minute Holiday Shoppers Should Use Credit Cards

With Black Friday and Cyber Monday over, last minute shoppers are set to fill the malls. Last minute Christmas … [Read More...]


5 Incredibly Simple Actions to Raise Credit Scores

You know raising your credit score will improve your financial outlook but taking action can be a challenge. … [Read More...]


How to Dispute Late Payments with Creditor or Credit Bureau

There are two different sources where negative credit can be disputed -- the creditor and the credit reporting … [Read More...]


9 Facts Debt Collectors Hope You Don’t Know

Dealing with a debt collector is rarely a fun thing to do. It can be a challenge having to deal with unpaid … [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...]


How to Rebuild Credit Scores by using credit accounts

A good credit score ranges from 700–749. An excellent credit score is 750 and above. Both good and excellent … [Read More...]


What is your ChexSystems Consumer Score?

What’s your Chexsystems Consumer Score? More importantly, did you know you had a Chexsystems Consumer Score? … [Read More...]


7 Common Mistakes that do not harm your credit score

Nearly every financial aspect of your life can impact credit scores. Utility companies, banks, lenders as well … [Read More...]


Get paid $100 to open a checking account

Black Friday Sale - Get paid to open an account What: Black Friday Bank Deal lets you get free money to … [Read More...]


6 Strategies to Fix Your Credit Report

The main goal in fixing your credit report should be to remove negative information while adding positive … [Read More...]


Get collection entries deleted from your credit report

Never allow a collection agency tell you they cannot delete a collection account from your reports. It's … [Read More...]

hard money mortgage loans

Hard Money Mortgage Loans: Is it a good option for bad credit

A hard money loan is an equity or collateral based real estate loan made by a private investor or private … [Read More...]

debt collector threatening to arrest consumers gets arrested for those false threats

Debt collector arrested for making false claims to consumers

Debt collectors have been using increasingly aggressive tactics in the years since the 2008 financial crisis. … [Read More...]

good credit scores just ahead

How to get a Credit Score of 800 & above in 2014

Credit scores range from 350-850. According to FICO, the most widely used credit scores among banks and … [Read More...]