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Negative Authorized User Accounts Can Be Deleted From Reports

Being an authorized user on an account is a good strategy for building or rebuilding credit history and credit … [Read More...]


How to remove outdated information from credit reports

Depending on the credit bureaus to automatically remove outdated information from credit reports is a mistake. … [Read More...]

Woman Pulling Files from File Cabinet

Negative Impact of Public Records on Credit Scores

Public records on your credit report can negatively affect your credit score and stay on your credit report … [Read More...]


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

Instances of fake debt collector calls are on the rise. Let’s face it, debt collection calls can be scary, … [Read More...]


Secured Cards offer a simple and fast way to build credit

Whether you’re just starting out with a little to no credit, a student or recent grad, a stay-at-home mom that … [Read More...]


Discover ranks No. 1 among consumers for overall best card

Chances are if you have a favorite credit card it may be a Discover or American Express card. According to a … [Read More...]

credit for students

How students can Build Credit under New Rules

In the not too distant past students could apply for credit, be pursued by credit card companies and granted … [Read More...]


How to Dispute Negative Credit due to Identity Theft

Question: I just discovered through Equifax that there appear to have been a credit and a charge account … [Read More...]


Credit scores can impact what you pay for car insurance

Car insurance and your credit scores should be two separate issues. Unfortunately it has become a common … [Read More...]


7 Common Mistakes that do not harm your credit score

Knowing what errors hurt your credit score and what errors do not can give you peace of mind because your … [Read More...]

red flags in credit scores

5 Unknown Red Flags Hurting Your Credit Score

Most consumers believe paying bills on time means you will have a good credit score and under certain … [Read More...]


Debt Collector gets 14 Years in Prison for Identity Theft

Debt collector gets sentenced to 14 ½ years in federal prison for debt collector scams, stealing money, … [Read More...]


Why Credit Scores are Different for the 3 Major Credit Bureaus

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Fake Debt Collectors a Growing Problem

It seems the fleecing of consumers never ends. If consumers did not have enough to worry about, there is a … [Read More...]

Couple counting money

6 Tips to Rebuild Credit after Bankruptcy

Because a bankruptcy can remain on your credit report for up to 10 years, it is extremely important to rebuild … [Read More...]


How to get a small business loan with no collateral

Traditional small business loans can translate into a long, drawn out, often cumbersome process. Small … [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...]


Who can view your credit reports for legitimate purposes

Access to private financial information in consumer credit reports is increasing. Your private information is … [Read More...]


Will settling credit card debt impact credit scores

Question I am not late in any of my credit card payments and have never been in over 20 years. I have … [Read More...]


Why Credit Karma Score dropped when new account added

Question: Can a new credit card account drop a credit score by 40 points? I noticed my score dropped on Credit … [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...]

what makes up a credit score

Demystifying Credit Scores: 5 Factors that make a score

Credit scores can be a mystery. FICO is the most popular credit scoring model used by most banks and they do … [Read More...]


How to Dispute Collection Accounts on reports

An inaccurate or misleading collection account will lower your credit score. Either because of clerical errors … [Read More...]


How long does negative credit remain on reports

Having negative information on your credit reports can feel like a life sentence but there is a time limit to … [Read More...]


When a Charge-Off Helps Your Credit Score: What is the AAoA

A Charge-Off on a credit report can spell disaster for your credit score. Consumers may experience a decrease … [Read More...]