Disputing a charge-off has pros and cons and sometimes may be better left to drop off your credit report

Original creditors may agree to pull back an account from a collection agency under certain circumstances

With no credit history, a secured credit card may be the only way to build a credit history as long as it is reported to the major credit bureaus.

A consumer wants to know how to investigate claims that credit union never received any payment under debt management plan

Even though you determine your credit limit with a secured credit card, that does not mean you can max out the card. Treat a secured credit card just like an unsecured credit card.

Student loan debt is in the trillions and problems with loan servicers are on the rise, find out your options to resolve student loan repayment issues.

Unpaid debt does not go away even if you are successful in getting it deleted from your credit report. It may pop up just again, especially if you are trying to get a mortgage loan.

A bank can charge-off an auto loan without repossessing the car but it does not mean you now own the car.

One way of raising credit scores is by using less of your available credit.

Increase your chances of getting approved for a credit card by knowing what credit card issuers are looking for.

Even though a collection agency cannot report a negative account beyond 7 years, they can still pursue you for an unpaid debt.

How to dispute an inaccurate past due amount in a charge-off listing on your credit report.

Consumer wants to know if there are any laws requiring a company to send a detailed bill.

It is not a big mystery that some financial activity will drop your credit score more than other activity; but you may be surprised at what hurts your credit score.

This prepaid card works just like a checking account, with online check writing available to pay your bills and direct deposit.

If you decide to pay a debt collector they cannot force you to pay by bank account, ach withdrawal, credit, debit or prepaid card, western union or moneygram

Should debt validation include an accounting of how the amount being demanded was calculated and what is sufficient to prove debt validation.

If you want to stay on top of the status of a debt with a collection agency, using the words “cease and desist” is never a good idea. Learn what phrasing is better if you want written contact only.

A pay for delete offer can get a negative mark removed from your credit report, but who should you send it to, the creditor or debt collector?

A hard money loan is an equity or collateral based real estate loan made by a private investor or private lender.