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BetterCreditBlog.org was started by a group of credit experts with the goal of providing accurate and easy-to-digest information about credit improvement and how it relates to personal finance.
It’s smart to know how to remove negative items from your credit report, especially if you are soon to be applying for a mortgage or car loan. In fact, you can remove something from your credit history before seven years pass. Whate...
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If you have recently pulled your credit report and noticed a charge off, you might be wondering how to remove the charge off from your credit report. First, know that a charge off in your credit history is a big deal. It will likely...
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A collection account will lower your credit score and can generally stay on your credit report for up to seven years. Often, a collection entry will even keep you from getting a mortgage or auto loan. Fortunately, it is possible to ...
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“Should I cut up my credit cards?”, we hear it a lot. We will get down to why Dave Ramsey may be wrong. First of all, this isn’t a “bash Dave Ramsey” post. Rather, I greatly admire Dave Ramsey and his o...
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My credit repair journey started when I had a credit score in the 530s. I couldn’t get a credit card, let alone a mortgage loan. That’s when I said enough is enough and set out to learn everything I could about improving...
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Forget maxing out your credit cards, here are some easy techniques anyone can use to optimize your credit score. Most of these techniques can be used by those who have both good and bad credit. I recommend that you try to do as many...
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