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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...]


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...]


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...]

Low Credit Score

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...]


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...]


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...]


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...]


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...]


How to remove outdated information from credit reports

Depending on the credit bureaus to automatically remove outdated information from credit reports is a mistake.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


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...]

Woman Pulling Files from File Cabinet

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...]


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...]


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...]


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...]

credit for students

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...]


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...]


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...]


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...]

red flags in credit scores

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...]


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...]


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...]

Couple counting money

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...]