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5 Harmful Credit Repair Actions that may hurt a Credit Score

Having a good credit score is essential to your financial well-being. With so much information on how to … [Read More...]


New version of FICO is better if you have paid collections

FICO is the largest credit scoring model used by 90% of lenders. Every few years FICO updates its scoring … [Read More...]


5 Things you should know about your Credit Score

Many consumers are unaware just how much they are affected by their credit score. Your everyday actions can … [Read More...]

how to dispute a credit card bill

How to Dispute a Credit Card Billing Statement

If you discover a problem with your credit card statement there are several actions you can take to dispute a … [Read More...]


How to improve credit scores with a goodwill letter

Send a goodwill letter to your credit card issuer or lender to get negative items removed from your credit … [Read More...]


Will a spouse’s bad credit affect your credit?

Marriage can be a beautiful experience but building a financial nest egg together is challenging when one … [Read More...]

how to establish a new credit history

How to build a credit history when you have no credit score

With no credit history, a secured credit card may be the only way to build a credit history as long as it is … [Read More...]


4 Things To Consider When Choosing a Credit Counselor

You are not alone if you’re in debt. But if you’re debt is overwhelming, it may be time to seek help from a … [Read More...]

Credit report with score

Understanding your credit reports and scores

A 2013 study by the Federal Trade Commission found that millions of Americans have serious errors on their … [Read More...]


Homebuyer Debt-to-Income Ratios No. 1 Factor in Approval

A recent survey by FICO, the most popular credit scoring system, says the top reason homebuyers get denied is … [Read More...]


How to get your credit file ready for a mortgage loan

FICO generates the most widely used credit scores. These credit scores are based on credit reports from … [Read More...]


Start here to Rebuild Credit in 2015

Get Started with Rebuilding Credit History Rebuild credit in 2015 by first rebuilding your credit … [Read More...]


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...]


5 Strategies to Raise Credit Scores in 2015

There are hundreds of variables that go into calculating a credit score. Your credit score represents how well … [Read More...]


4 Reasons to check your credit score regularly

Credit scores can determine how you live, where you live, whether you have access to financial products such … [Read More...]

how to add positive credit

How to add positive credit to your credit reports

Consumers with bad credit often only concentrate on removing negative information while repairing credit. But … [Read More...]


How to order credit reports from Experian, Equifax and Transunion

You have the right to see what credit information exists about you. Don't be in the dark when it comes to … [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...]


6 tips to settle debt that has been repeatedly sold

Because debt collectors pay pennies on the dollar to buy your debt does not mean you can use that as an … [Read More...]


6 Must Know Facts About Buying a Home

Buying a home will probably be the most exciting yet agonizing time of your life. The process should not scare … [Read More...]


Why credit scores are different for the 3 credit bureaus

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Fraud liability policy for debit and credit cardholders

Most banks offer “zero liability” debit cards which means you are not liable for fraudulent purchases made on … [Read More...]


Remove Student Loans due to Permanent Disabled Status

Question: The US Department of Education had me sign and my doctor sign some paperwork. They found that I was … [Read More...]


5 Tips to Handle Collection Accounts

Collection accounts on credit reports can ruin a credit score. There are several ways to handle collection … [Read More...]

Mailbox and mail

Opt-out of credit bureau marketing lists

Experian, Equifax and Transunion are multi-million dollar companies. Consumers may only think of them as … [Read More...]