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Credit Repair

There is nothing more enjoyable than debunking credit score myths. The more of the myths that go by the wayside, the better you can be prepared to build stellar credit. Here are a few more to be thrown out. You only have one credit score… Unfortunately, each credit reporting agency calculates your credit score a [...]

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One of the largest challenges to a young adult is getting their first bit of credit. Most banks and many credit card companies want to take a ”let the other guy risk it” attitude and will deny early credit applications. Here is one way to build your child’s credit score in a matter of days. [...]

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Many people may think that if they owe money to a collection agency and it goes out of business, they no longer owe the debt. That is far from true. If you pull your credit report, you will find that the collection action is still showing as a negative issue, lowering your credit score. Here [...]

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The newly formed federal Consumer Financial Protection Bureau (CFPB) has announced that it will be looking for ways to monitor the credit reporting industry. At this time, the main goal of the agency is to create more clarity in how credit scores are formulated. This is a move that has been needed for a long [...]

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Some financial advisers encourage their clients to use prepaid cards to control their spending and repair their credit. Other people simply can not qualify for any other type of card. What ever your situation, you have to do a great deal of research in order to find a card that will not eat up an [...]

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There are certain things that you can pay late or not pay at all that will not affect your credit score. Admittedly, there are very few, but here are three of them. You can pay your rent late as often as your landlord will tolerate and it will not appear on your credit report. Even [...]

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On occasion a topic seems to repeat itself. Since credit report myths abound, it seems like debunking them three at a time is becoming a habit. Here are three more that can be put to sleep. Most people think that their credit report will automatically include their credit score. It does not. You will have [...]

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In the weeks or months prior to applying for a loan, everyone should try to maximize their credit score. Beyond helping to insure that you get the loan, it will also lower the interest rate you are offered, thus saving you hundreds if not thousands of dollars over the life of the loan. Here are [...]

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Many savvy consumers are trying to reduce their dependence on credit cards. This is an admirable effort that will have long term effects on their financial stability. Paying down or paying off credit card debt brings up an interesting question that many may not have thought about, what to do when they are paid off? [...]

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The global economy and job loss have sent record numbers of people through the bankruptcy courts. After filing and discharge are taken care of, you may be wondering how your credit score will ever recover. Here are a few tips to help you get started. First, do not close any old credit accounts that you [...]

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