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Re-Aging a credit account on credit reports is illegal

When you hear the term “Re-Aging” in terms of consumer credit two very different definitions exist. This may … [Read More...]

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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...]

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How to remove outdated information from credit reports

Depending on the credit bureaus to automatically remove outdated information from credit reports is a mistake.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

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Online Checking Accounts that do not use Chexsystems

Online banking is gaining in popularity. It is convenient, hassle-free and safe. Not having a bank account is … [Read More...]

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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...]

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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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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]