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How to Remove a Repossession From Your Credit Report

When you stop making payments on an auto loan, the bank might take the action of repossessing the vehicle. This can happen in two ways. You can voluntarily surrender the vehicle, or the bank can simply take it from you. In fact,

When Debt Settlement is the Smart Thing to Do

Before you make any big decisions like hiring a debt settlement company to attempt to settle your debts, it’s important that you understand how it works, what you’re getting into, and the other options you may have. Debt settlement can have a

5 Things You Need to Do If You’re Denied a Mortgage Loan

Many of my readers come across this blog because they’ve just been denied for a mortgage and they need help figuring out what to do next. There is nothing more disappointing than finally being ready to buy a home only to be

3 Ways to Remove a Foreclosure From Your Credit Report

How to remove a foreclosure from your credit report Unlike removing late payments and collections, it can be a challenge to remove a foreclosure from your credit report without the aid of a professional. That being said, it is possible if you

5 Things You Should Never Reveal to a Debt Collector

I’ve been preaching about the dangers of debt collectors for years on this blog but I still get emails from readers who end up getting in trouble with collectors. If you want to get an idea of how bad these people can

How to Remove Tax Liens From Your Credit Report

I often get emails from readers of this blog who assume that it’s impossible to get a tax lien removed because it involves the government and the IRS. This couldn’t be further from the truth. In fact, in the case of getting

Improve Your Credit Score by 100 Points in Less Than a Month

In most cases you can easily improve your credit score by at least 100 points within a month. The key to doing this is focus, organization, and having the right techniques. I have counseled thousands of people over the years on how

3 Steps to Remove Judgments From Your Credit Report

It’s not impossible to remove judgments from your credit report In my experience it’s not very difficult to remove judgments from your credit report as long as you follow the proper steps. Many of my readers assume that it’s impossible to have

Why You Shouldn’t Believe The “Good Debt” Myth

Debt is a controversial subject so let’s get into it. When people talk about “good debt” they usually mean debt that creates value. In other words, it’s debt that will hopefully create wealth sometime in the future. An example that’s often used

A Regretful Debt Collector Tells Me His Story

Before I get into my interview with a former debt collector, I’d like to give you the back story as to how this all happened. A couple of weeks ago I received an email from a guy who said he was a