All Articles

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6 Must Know Facts About Buying a Home

Buying a home will probably be the most exciting yet agonizing time of your life. The process should not scare … [Read More...]

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Why credit scores are different for the 3 credit bureaus

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Fraud liability policy for debit and credit cardholders

Most banks offer “zero liability” debit cards which means you are not liable for fraudulent purchases made on … [Read More...]

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Remove Student Loans due to Permanent Disabled Status

Question: The US Department of Education had me sign and my doctor sign some paperwork. They found that I was … [Read More...]

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5 Tips to Handle Collection Accounts

Collection accounts on credit reports can ruin a credit score. There are several ways to handle collection … [Read More...]

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Opt-out of credit bureau marketing lists

Experian, Equifax and Transunion are multi-million dollar companies. Consumers may only think of them as … [Read More...]

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Ask for Reconsideration when a credit card application is denied

Did you know a credit card application decline is not necessarily the end of story? When you apply online for … [Read More...]

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Tips to get a bad credit mortgage loan

As of December 2014, mortgage rates are still at record lows. In fact, mortgage rates are below 4 percent … [Read More...]

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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...]

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7 ways to avoid being trapped into overdraft fees

Overdraft fees remain a huge revenue source for banks despite financial regulations. They are enormously … [Read More...]

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4 Practices that Could Hurt Your Credit Scores and History

Are you engaging in actions that may hurt your credit score? Credit scores are increasingly becoming the only … [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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Can a delinquent account be re-purchased repeatedly?

Question: Can a delinquent account be re-purchased from other debt collectors? If so, how long can that … [Read More...]

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States with current down payment assistance programs

I am gathering information on down payment assistance programs for people interested in buying a home in 2015. … [Read More...]

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Why Last Minute Holiday Shoppers Should Use Credit Cards

With Black Friday and Cyber Monday over, last minute shoppers are set to fill the malls. Last minute Christmas … [Read More...]

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5 Incredibly Simple Actions to Raise Credit Scores

You know raising your credit score will improve your financial outlook but taking action can be a challenge. … [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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9 Facts Debt Collectors Hope You Don’t Know

Dealing with a debt collector is rarely a fun thing to do. It can be a challenge having to deal with unpaid … [Read More...]

what consumers with high credit scores do

5 Traits of Consumers with Perfect Credit Scores

If achieving the highest credit score possible is your goal or if you want to get as close to perfection as … [Read More...]

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How to Rebuild Credit Scores by using credit accounts

A good credit score ranges from 700–749. An excellent credit score is 750 and above. Both good and excellent … [Read More...]

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What is your ChexSystems Consumer Score?

What’s your Chexsystems Consumer Score? More importantly, did you know you had a Chexsystems Consumer Score? … [Read More...]

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7 Common Mistakes that do not harm your credit score

Nearly every financial aspect of your life can impact credit scores. Utility companies, banks, lenders as well … [Read More...]

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Get paid $100 to open a checking account

Black Friday Sale - Get paid to open an account What: Black Friday Bank Deal lets you get free money to … [Read More...]

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6 Strategies to Fix Your Credit Report

The main goal in fixing your credit report should be to remove negative information while adding positive … [Read More...]

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Get collection entries deleted from your credit report

Never allow a collection agency tell you they cannot delete a collection account from your reports. It's … [Read More...]