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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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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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...]

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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...]

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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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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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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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...]

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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...]

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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...]

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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...]

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No ChexSystems Savings Accounts

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