Are You Managing Credit And Debt Or Is It Managing YOU

Are You Managing Credit And Debt Or Is It Managing You? Credit is an established part of American life. It can be a valuable tool permitting you to purchase a home or a car, finance an education, or take advantage of special sales and offers. Unwise use of credit, however, will lead to financial problems. [...]

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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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How do I dispute something on my credit report?

I just pulled up my credit report and found that there are many different items listed as delinquent. However, several of these are medical bills and should have been paid by my insurance. This is a problem I ran into constantly while living in Pennsylvania (I now reside in New York). The emergency room would [...]

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Credit-card debt: how about a “bailout” amnesty? ?

President-elect Obama announced a plan to rectify some of the more abusive practices of credit-card issuers, including banks. But these are not to take effect for some 18 months. Why not amnesty certain credit-card debt quickly and so give some real spending power to the average person? I, for instance, have a credit card with [...]

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Does paying off collecion debt help increase my credit score?

I have debt in the amount of 00 that has been sent to collection agencies about three years ago. Two were credit cards, one a cell phone bill. I desperately need to improve my credit score. Will it help if I start paying this debt to the collection agaencies? I read somewhere that it does [...]

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