Help me fix my credit score?

I’m looking to improve my credit score. I just checked my credit report and apparently have a small account open with a department store. I have always had a 0 balance on this card, since 2002. Is it more beneficial to me to close this account or leave it open? If I do close it [...]

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Help repairing credit, what do I do now?

I am 23-yrs. old and I am desperately trying to repair my credit. I have paid down all my collection accounts except for two medical bills totaling 00.00. These two accounts are 4-years old. However, I have recently obtained an auto loan and a secured credit card as of April 2006. I pay both before [...]

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Organize Credit Card Debt

If credit cards have become a way of life for you, it might be time to organize your credit cards. If you have a lot of credit card debt, you might even want to look at consolidating your cards to a lower rate card that will save you in interest charges. Be careful, done incorrectly, [...]

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Credit For Young People: Establishing A Credit History

If you’re like me, a teenager or young adult, just getting started in the big wide world, getting credit can be tough. Most creditors want to see a solid credit history before they give you a loan. They seem to be as clueless as I am as to how to get a credit history. After [...]

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Accurate Negative Information And Controlling Your Debt

When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations [...]

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Build a Credit Strategy

This article will help explain how you should build credit especially if you do not have any credit. Credit is something every adult should have so you are able to move your life forward. Enjoy the article. If you are trying to build your credit there are a lot of strategies we can look at [...]

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5 Things To Protect Your Credit Score This Holiday Season

5 Things To Protect Your Credit Score This Holiday Season 1. Avoid Department Store Offers for Instant Credit and Don’t Open Up New Lines of Credit ” Would you like to save 10% today on your purchase today?”. We have all been asked that question when paying for our purchases. Every store under the sun [...]

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