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Top Factors Keeping your Credit Score Low

Have you ever received a denial of credit letter with reason codes you did not quite understand? If so, you … [Read More...]

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How to determine if an account has been Re-aged

Question: Hi Lisa, I love your web page. I am concerned.  I have 1-2 creditors that continue to re-age old … [Read More...]

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What is Debt Validation: Make debt collectors provide proof

A debt collector contacts you regarding a debt. How do you know this is your debt and that you actually owe … [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...]

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Why did old collections that were removed from report reappear

Question: I recently had old collections removed from credit report I just check my credit report the … [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 get your free credit reports from the 3 major bureaus

Being aware of the information in your credit reports is a huge step in the right direction. Positive and … [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 credit scoring system rewards … [Read More...]

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Can you be sued for old credit card debt?

Question: If I have a credit card debt that is past due and I have not made any payments nor responded to any … [Read More...]

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CFPB Orders Payday Lender ACE Cash Express To Pay $10 Million

Studies have shown that most payday loan borrowers get stuck in revolving door of debt. But a recent … [Read More...]

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Children make good targets for identity thieves

Your child’s identity may be at risk. Unfortunately children make good targets for identity thieves because … [Read More...]

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8 Reasons your Check may have been Denied by Telecheck

Question: I have tried to buy groceries 3 times and been turned down 3 times by Telecheck. I called Telecheck … [Read More...]

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Avoid being a victim of Phantom Debt

If you have ever been contacted by a debt collector regarding a debt you are sure is not owed, you are not … [Read More...]

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How to start 2015 with Better Credit Scores

It’s July 4th and time to celebrate this nation’s independence. Good credit scores help you have financial … [Read More...]

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Credit Card for Students with Cash Back Rewards

College students can enjoy a 5% Cashback Bonus in categories that change throughout the year like gas, … [Read More...]

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3 Simple Ways to Add Good Credit to Credit Reports

Your credit report reflects the ability to manage debt and handle credit responsibly. If only negative … [Read More...]

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How to Repair Credit: A Guide to Improve Credit Scores

A Guide to Improve Credit Scores   Just the thought of looking at your credit reports may make you … [Read More...]

GE Capital Retail Bank

GE Capital to refund $225 million for illegal credit card practices

The Justice Department along with the Consumer Financial Protection Bureau announced an agreement for GE … [Read More...]

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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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Where to get a personal, business or auto loan with bad credit

One of the top questions we get on this website is “where can I get a loan with bad credit?” The economy is … [Read More...]

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Why Closing Old Credit Accounts puts your Credit Score at Risk

Consumers with lengthy credit histories can often have over 20 or more credit accounts on their credit … [Read More...]

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Monthly Free Real FICO Scores available to some Consumers

Consumers are entitled to a free credit report every 12 months from each of the three major credit bureaus but … [Read More...]

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Court Rules Debt Collectors could be Fined $1,500 for every call

Debt collection is often performed by a company that purchases a consumer’s debt from a creditor or debt … [Read More...]

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5 Facts You Probably Didn’t Know About ChexSystems

Most people know ChexSystems is a consumer reporting agency just like the major credit bureaus, and the … [Read More...]

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Youtube helps fraudsters sell stolen credit card numbers

Apparently gaining access to stolen credit card and other personal information is easier than you may think. … [Read More...]