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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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Specialty Consumer Reporting Agencies Must Provide Reports

Most consumers are aware of the three major credit reporting agencies. But Experian, Equifax and Transunion … [Read More...]


Paid Tax Liens can be Deleted from Credit Reports

Taxpayers with tax liens on credit reports should take advantage of the IRS' Fresh Start Program. Under the … [Read More...]


What hurts your credit score: 7 Top Score Killers

It is not a big mystery that some financial activity will drop your credit score more than other activity -- … [Read More...]


New FICO Score Factors Could Help Some but Hurt Others

FICO is testing a new scoring formula that will consider monthly bills like utilities, cable bills and … [Read More...]

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Foreclosed FHA borrowers can purchase again in 12 months

The FHA Back to Work—Extenuating Circumstances Program announced in 2013 has been extended through Sept. 30, … [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 most banks and they do not … [Read More...]


EWS can stop you from opening a bank account

If you've ever had trouble opening a bank account you are probably familiar with Chexsystems. But have you … [Read More...]


Steps to take if an account has been Re-Aged

Re-aging is a very serious violation of the Fair Credit Reporting Act.  Re-aging credit accounts causes older … [Read More...]

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Re-Aging a credit account on credit reports is illegal

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

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How to Improve Credit Scores for better interest rates

No matter where you are starting, a credit score of 599 or below or a credit score of 700 or above, the … [Read More...]

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3 Reasons to retain old credit accounts

Many consumers with older or inactive credit accounts sometimes close those accounts. If this is you, think … [Read More...]


Can Debt Collector Sue for a 14-year old Credit Card Debt

Question: I have a collection company threatening me with a lawsuit on a credit card account form 1998  they … [Read More...]


Bank of America helps homebuyers find down payment assistance

There are hundreds of millions of dollars available across the country through homebuyer programs. These … [Read More...]

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How to get a Credit Score of 800 & above

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


No Chexsystems Banks: Open a New Account Today

Open a bank account at a No ChexSystems Bank and can get approved even if you have a ChexSystems record. … [Read More...]

Credit Score Concept

Raise credit scores by using less of your available credit limit

One way to raise credit scores is by using less of your available credit. The amount owed on accounts … [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...]


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...]