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How to successfully and calmly deal with Debt Collectors

The debt buying industry is not going anywhere anytime soon. You may not even have any outstanding debt; yet a … [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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Wells Fargo NeighborhoodLIFT Provides Down Payment Assistance

If you want to buy a home, but you don't have enough for a down payment, you may qualify for some down payment … [Read More...]

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What to do when a deleted credit item is Re-inserted

Consumers who have successfully removed negative items from their credit files must continue to monitor their … [Read More...]

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Home Depot cash registers hacked with over 56 million cards at risk

If you used a credit or debit card at Home Depot between April and September of this year review your … [Read More...]

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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...]

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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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Re-Aging a credit account on credit reports is illegal

When you hear the term “Re-Aging” in terms of consumer credit two very different definitions exist. This may … [Read More...]

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The Best of Rebuild Credit Scores

Welcome to the BEST articles, tips and resources on Rebuild Credit Scores. There are over 400 posts on Rebuild … [Read More...]

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Negative Authorized User Accounts Can Be Deleted From Reports

Being an authorized user on an account is a good strategy for building or rebuilding credit history and credit … [Read More...]

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How to remove outdated information from credit reports

Depending on the credit bureaus to automatically remove outdated information from credit reports is a mistake. … [Read More...]

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Online Checking Accounts that do not use Chexsystems

Online banking is gaining in popularity. It is convenient, hassle-free and safe. Not having a bank account is … [Read More...]

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Negative Impact of Public Records on Credit Scores

Public records on your credit report can negatively affect your credit score and stay on your credit report … [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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Secured Cards offer a simple and fast way to build credit

Whether you’re just starting out with a little to no credit, a student or recent grad, a stay-at-home mom that … [Read More...]

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Discover ranks No. 1 among consumers for overall best card

Chances are if you have a favorite credit card it may be a Discover or American Express card. According to a … [Read More...]

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How students can Build Credit under New Rules

In the not too distant past students could apply for credit, be pursued by credit card companies and granted … [Read More...]

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How to Dispute Negative Credit due to Identity Theft

Question: I just discovered through Equifax that there appear to have been a credit and a charge account … [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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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 because your … [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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Debt Collector gets 14 Years in Prison for Identity Theft

Debt collector gets sentenced to 14 ½ years in federal prison for debt collector scams, stealing money, … [Read More...]

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Why Credit Scores are Different for the 3 Major Credit Bureaus

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Fake Debt Collectors a Growing Problem

It seems the fleecing of consumers never ends. If consumers did not have enough to worry about, there is a … [Read More...]

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6 Tips to Rebuild Credit after Bankruptcy

Because a bankruptcy can remain on your credit report for up to 10 years, it is extremely important to rebuild … [Read More...]