Do You Really Know How to Improve Your Credit?

The only one who can fix your credit is you, and this process can only happen over time as you take steps to improve your credit on your own. First, contact your creditors when you realize you are unable to make your payments. If you need help preparing a budget and working out a payment [...]

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Up to how many years can you fix your credit report?

In the building where I live used to live another lady called Aleida P. with a different last name. The credit report is confusing us both because of the same name. The true is that I don’t even know Aleida P. The problem is that I didn’t check my credit report in 4 years. Know [...]

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Do You Have Healthy Credit?

Read more and learn how to keep your credit healthy. Jeanne S. answered an ad that promised 0% financing for her new car. When she got to the dealership, the best she could get was 6%. Marco N. and his wife found their dream house. But their loan officer told them that the interest rate [...]

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Divorce and CreditAre You Liable?

Bill and Susie recently divorced. Their divorce decree stated that Bill would pay the balances on their three joint credit card accounts. Months later, after Bill neglected to pay off these accounts, all three creditors contacted Susie for payment. She referred them to the divorce decree, insisting that she was not responsible for the accounts. [...]

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Debt Collection And The Law Know Your Rights

If you owe money to a debt collection agency or debt collector, you need to know what they can and cannot do in order to collect monies owed to them. You have an obligation to pay what you owe, and the debt collectors have an obligation to follow the law and not harass you at [...]

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Reducing credit card debt?

I am on a budget, successfully last two years. Before then, we racked up nearly 00 total in credit card debt on five cards. (home repairs, stuff). We have paid our credit cards on time, and have NO credit cards now. My problem, I am aggravated. Before my budget, I was late paying on two [...]

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Credit Report — 5 Secrets Credit Bureaus Dont Want You

Credit Report — 5 Secrets Credit Bureaus Dont Want You to Know If you’ve ever applied for a loan or credit card, chances are your lender acquired and examined a copy of your credit report before deciding whether or not to grant you credit. Your “Credit Report” is a record of your credit history and [...]

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