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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...]


Facts about credit card APR you should know

The APR is the annual percentage rate of interest charged to a credit card holder based on the total balance … [Read More...]


How student loans impact credit scores

The average Class of 2014 with student loan debt has $33,000 to pay back, earning them the distinction of the … [Read More...]


How to get your Experian FICO score for $1

Consumers typically have three FICO scores based on credit reports at the three major credit reporting … [Read More...]


5 Facts You Probably Didn’t Know About ChexSystems

Most people know ChexSystems is a consumer reporting agency just like the major credit bureaus, and the … [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...]


Bankruptcy can be an option for student loan debt

Contrary to popular belief student loan debt, in some cases, can be discharged in bankruptcy proceedings. It's … [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...]

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FHA Loan Limits and Credit Score Requirements 2015

The Federal Housing Administration (FHA) is part of the United States Department of Housing and Urban … [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...]


5 Simple Ways to Start Saving Money

Most of us have to save for the things really want out of life. Whether it’s a college fund, house down … [Read More...]


How to Raise your Credit Score Fast!

Sometimes you just don't have a lot of time to improve credit scores. You may be in the market for a mortgage, … [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...]


5 Easy to Get Retail Cards That Can Help Rebuild Credit

Retail credit cards can help rebuild credit. They report monthly to the major credit bureaus just like major … [Read More...]

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Should bad credit be a deal breaker to marriage?

I believe love conquers a multitude of things – even bad credit. But you have to be smart about it. If your … [Read More...]


Major credit bureaus agree to overhaul dispute process

On Mar. 9, 2015 the three major credit reporting agencies — Experian, Equifax and TransUnion agreed to revise … [Read More...]

Credit Score Slot Machine Wheels Great Number Apply Loan

How to legally change your credit score

Unless you have huge amounts of cash, you are going to need credit at some time in your life. Most of us rely … [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...]

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Online Checking Accounts that do not use Chexsystems

Why Choose an Online Bank. Online banking is gaining in popularity. It is convenient, hassle-free and safe. … [Read More...]


7 Bad Actions that can get you reported to Chexsystems

Consumers in ChexSystems may not be aware what landed them in the consumer reporting agency. Chexsystems … [Read More...]


Dispute inaccurate information directly with data furnisher

In June of 2009, the FACT Act Furnisher Rules were passed by federal banking agencies and the Federal Trade … [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 is a major … [Read More...]

no chexsystems savings accounts

No ChexSystems Savings Accounts

As it becomes increasingly difficult for consumers with a Chexsystems record to open a regular checking … [Read More...]


Who should get a Pay for Deletion Offer

Question: Hello I just found your pay for deletion sample letter and I plan to use it for two accounts of my … [Read More...]


Tips to get a bad credit mortgage loan

As of February 2015, mortgage rates are still at record lows. In fact, mortgage rates are below 4 percent … [Read More...]