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Falling credit cards

Why credit card users should no longer pay just the minimum

Credit bureaus have found another way to distinguish consumers’ credit habits. Credit reports are now tracking … [Read More...]

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6 Strategies to Fix Your Credit Report

The main goal in fixing your credit report should be to remove negative information while adding positive … [Read More...]

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Rebuild Credit with a Credit Builder Loan

Your local credit union may be able to help you rebuild credit with a Credit Builder Loan. A good mix of … [Read More...]

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Rent payments can be reported to credit bureaus for a fee

Nontraditional payment histories like rent and utilities can be reported to the credit bureaus for a fee. … [Read More...]

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3 Simple Ways to Add Good Credit to Credit Reports

Your credit report reflects the ability to manage debt and handle credit responsibly. If only negative … [Read More...]

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How Income Affects Your Credit Score

First, income is not a factor in credit reports and does not affect your credit score. You can be … [Read More...]

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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...]

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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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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...]

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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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What happens when a debt collector threatens to sue

It is against the Fair Debt Collection Practices Act for a debt collector to make false or misleading … [Read More...]

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How to Start 2016 with Better Credit Scores

It’s August and summer is beginning to wind down. Don't let summer end with credit scores in the same shape … [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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No ChexSystems Savings Accounts

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

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NACA can make homeownership possible with credit problems

Homeownership can be a dream fulfilled with the help of NACA. Since 1988 the Neighborhood Assistance … [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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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 … [Read More...]

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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...]

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What is your ChexSystems Consumer Score?

What’s your Chexsystems Consumer Score? More importantly, did you know you had a Chexsystems Consumer Score? … [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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5 Quick Fixes to your Credit Report that can raise scores

Tackling bad credit can seem like a huge, never-ending task. But certain negative items hurting your credit … [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...]

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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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How to Dispute Late Payments with Creditor or Credit Bureau

There are two different sources where negative credit can be disputed -- the creditor and the credit reporting … [Read More...]

Discontent Couple

Divorce can ruin your credit if ex-spouse pays late

Approximately 1 of 2 marriages ends in divorce, according to the most recent data from the Census Bureau. … [Read More...]