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Tips to get a bad credit mortgage loan

As of July 27, 2015, mortgage rates are still at record lows. Currently, the average 30-year fixed rate … [Read More...]


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...]


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...]


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...]


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...]

good credit scores just ahead

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...]


Chase to pay $50 million for illegal debt collection practices

J.P. Morgan Chase was accused of using illegal debt collection tactics to pursue delinquent credit card … [Read More...]


Before filing bankruptcy know what debts can be wiped out

The decision to file bankruptcy is never easy. Bankruptcy offers a “fresh start” when debts become … [Read More...]


Children make good targets for identity thieves: Keep them safe

Your child’s identity may be at risk. Unfortunately children make good targets for identity thieves because … [Read More...]


6 Tips for Buying a Car with Bad Credit

If you're thinking about buying a car but have bad credit there are actions you can take to get the best deal. … [Read More...]

Collage 5x4.97

Credit Privacy Numbers: Lenders are not required to use them

If you have experienced identity theft or you are concerned about identity theft occurring then a Credit … [Read More...]


Base credit disputes off factual errors in your credit report

Question. Where can I find the law on factual errors? And what is actually called a factual error? And if I do … [Read More...]


Dispute multiple collection agencies reporting the same debt

There’s no denying collection accounts will decrease a good credit score. But having multiple collection … [Read More...]


Secured Cards offer a simple and fast way to build credit

Whether you’re just starting out with little to no credit or need to re-establish a good credit history; … [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...]


Has your credit report been pulled without a permissible purpose

Question: A recent solicitor ran my credit without my permission (hard inquiry), I only gave them the last 4 … [Read More...]


Paying off credit card debt may significantly raise credit scores

Assuming you do not have a ton of collection accounts, charge-offs, public records or late payments; high … [Read More...]

Businessman pulling a clock hand backwards

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...]


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...]


Insurers believe consumers with poor credit are also bad drivers

For years the insurance industry has been using credit scores as an excuse to charge consumers with poor … [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 90% of banks. While the … [Read More...]


Lower credit scores are not a deal breaker with VA Mortgage Loans

There are not many options for mortgage loans if you have low credit scores and no down payment. VA home loans … [Read More...]