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What is the FCRA Compliance Date aka the Date of First Delinquency
The Fair Credit Reporting Act (FCRA) Compliance Date determines how long some negative credit items such as … [Read More...]
Experian FICO Scores will be made available to Consumers
In a joint press release two of the biggest names in credit reporting and scoring, Experian and FICO, … [Read More...]
Experian FICO Scores will be made available to Consumers, Again
In a joint press release two of the biggest names in credit reporting and scoring, Experian and FICO, … [Read More...]
FICO vs. FAKO: How to Get Real FICO Credit Scores
There may be multiple credit scoring systems but there is only one FICO score. The FICO score is the score … [Read More...]
Prepaid Cards as an Alternative to a Checking Account
A prepaid visa or mastercard can be used for direct deposit, bill payment and even ATM withdrawals. Prepaid … [Read More...]
How to Order a ChexSystems Report and Get a New Account
Did you know a report is being kept on how you handle your bank accounts, including checking and … [Read More...]
Hard Money Mortgage Loans: Is it a good option for bad credit
A hard money loan is an equity or collateral based real estate loan made by a private investor or private … [Read More...]
How To Get Approved For A Credit Card
Before the credit crunch of 2008, credit card issuers had relaxed standards for issuing credit cards and … [Read More...]
What Builds Good Credit?: 4 Steps to a Good Credit History
If you have less than perfect credit you can probably figure out what caused it. But what exactly builds good … [Read More...]
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...]
How Late Payments affect your Credit Scores
Late payments, especially in the current economy, cannot be always be avoided. But a late payment is very … [Read More...]
How to handle AT&T sending an account to a collection agency
Question: I was an AT&T customer back in 2011. I had my cell phone through them and activated a U-Verse … [Read More...]
7 Common Mistakes that do not harm your credit score
Knowing what errors hurt your credit score and what errors do not can give you peace of mind as your credit … [Read More...]
How to settle debts with a debt collector?
Question: I have three debts totaling about $4500, all original debts are on my credit report, but nothing … [Read More...]
Nearly a Quarter of Consumers have never Checked their Credit
Under the Fair and Accurate Credit Transactions Act, Americans are entitled to a free credit report from each … [Read More...]
Rapid Re-Score Negative Information in your Credit Files!
Give your credit scores a boost to get a mortgage loan by having errors corrected, balances updated or new … [Read More...]
Does divorce relieve you from financial responsibility of a co-signed debt?
Question: I cosigned on a new car for my ex-husband (he was my husband at the time) because he had no credit … [Read More...]
Will a hospital accept a pay for delete for an unpaid medical bill
Question: I have a medical bill that a hospital hired NCO Financial to collect. The balance is on my credit … [Read More...]
Get collection entries deleted from your credit report
Never allow a collection agency fool you into believing paying a debt in collections will improve or increase … [Read More...]
How to dispute information in Chexsystems
Chexsystems is a consumer reporting agency just like Experian, Transunion and Equifax. This means consumers … [Read More...]
Micro Business Loans for business owners with bad credit
Microloans service entrepreneurs who need financing assistance to start or expand their business but cannot … [Read More...]
How to find out what student loans you actually owe
It’s not uncommon to lose track of student loan debt, either consciously or unconsciously. Delinquent … [Read More...]
How to get a Higher Credit Limit on Credit Cards
As the summer season approaches more of us will be planning summer vacations, amusement park visits, attending … [Read More...]
How to Dispute Telecheck
Question: Yesterday I had tried to make a payment to my sprint account using a check, which I normally do not … [Read More...]
Dangers of giving out your Social Security Number
It has become so common for consumers to simply hand over their Social Security number, without question, that … [Read More...]
