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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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...]

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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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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...]

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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...]

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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...]

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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...]

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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...]

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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...]