A Guide to Better Credit
Disputing an old collection account can trigger the collection agency to renew their collection efforts or sell the debt to a new...
Why Choose an Online Bank. First – these banks DO NOT use ChexSystems! Plus, online banking is gaining in popularity — It...
Charged-off account does not mean the debt is no longer owed (unless you file for bankruptcy). Creditors still retain the right to...
If a merchant uses Telecheck to verify checks, your checks can be denied even if you have money in the bank or...
Charge-offs that update monthly inflict continuous pain on credit scores. If a charge-off has an open status and amount reporting credit utilization...
Like it or not your credit history is an integral part of everyday life. Whether you are making a big purchase like...
July 1 marked the date new rules went into effect basically removing nearly all civil judgments and some tax liens from credit...
ChexSystems maintains a database on consumers with bank accounts and you are entitled to see what information exists about your banking habits.
“In order to build or rebuild credit you have to use credit accounts because creditors like to see evidence in your credit...
The main goal in fixing your credit report should be to remove negative information while adding positive information
If you've resolved to raise your FICO scores in 2017, you need a game plan -- here's how to get started.
Shopping for a car loan can result in multiple credit inquiries from various lenders but the inquiries should only count as ONE...
A debt forgiven by a lender with a 1099-C tax form can continue to cause damage to your credit reports if the...
Tenant's have rights and when a landlord sends you to a collection agency for move-out charges without notification you should exercise your...
Telecheck contains information on consumer check writing habits. Telecheck is regulated by the Fair Credit Reporting Act and can be sued for...
A foreclosure can take up to 150 points off your credit score and can remain for 7 years. Take steps to improve...
If a merchant denies your check at the point of sale follow-up with Telecheck immediately. One bounced check can land you in...
Not knowing what's making your credit score poor will keep you from fixing it. The good news is bad credit can be...
Cable companies rank lowest in customer satisfaction. Bundle billing practices can turn credit scores into a nightmare when charges turn into charge-offs.
Proceed with caution if a debt collector calls you out of the blue. It may be a scam collector especially if they...
If a debt collector cannot provide debt validation, you may be able to negotiate a reduced settlement of the debt, or even...
Negative accounts, even paid defaulted loans can remain on your credit report for seven years from the original date of the first...
Retailers can deny a customer's check even when sufficient funds are available due to Telecheck's complex fraud prevention variables.
If a debt collector charges high interest, review your state debt collection laws along with the Federal FDCPA which puts limitations on...
Don't let medical debt unknown to you sit on your credit reports, there are steps you can take to have the negative...
ChexSystems inquiries without a permissible purpose can be disputed. 5 or more ChexSystems inquiries can cause a denial if they are within...
Even though defaulted student loans can be pursued forever, negative credit reporting must be removed after 7 years with the exception of...
Having a repossession in your credit files may not prevent you from getting a mortgage loan but it's best to have other...
Collection agencies that sell a debt should delete their negative notation to avoid multiple debt collectors reporting simultaneously for the same debt.
If you have a Capital One collection account don't be surprised if they update and report monthly to the credit bureaus which...
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Disputing an old collection account can trigger the collection agency to renew their collection...
Charged-off account does not mean the debt is no longer owed (unless you file...
If a merchant uses Telecheck to verify checks, your checks can be denied even...
Charge-offs that update monthly inflict continuous pain on credit scores. If a charge-off has...
Like it or not your credit history is an integral part of everyday life....
July 1 marked the date new rules went into effect basically removing nearly all...
ChexSystems maintains a database on consumers with bank accounts and you are entitled to...
“In order to build or rebuild credit you have to use credit accounts because...
The main goal in fixing your credit report should be to remove negative information...
If you've resolved to raise your FICO scores in 2017, you need a game...
