Year: 2007

Credit Books I Recommend

I have found the following books to be particularly helpful for providing an honest and clear insight into how credit scores work and the best ways to go about repairing my credit. Credit Scores & Credit Reports Credit Scores & Credit Reports provides the first thorough examination of …

Credit Utilization Calculator

Credit utilization is an important term to understand in terms of how it can affect your credit score. Basically, it means how much of the available credit you currently have charged on a credit card (i.e., balance-to-limit ratio). I generally recommend that you keep your credit utilization under …

Negotiation Letters Will NOT Work On Student Loans

Student loan creditors such as Nelnet are required by law to report accurate information to credit agencies. This makes dealing with late or defaulted student loans much different than other accounts. Basically, regardless of if you have consolidated, or even undergone a rehab program, the record will remain …

How to Pay Off Bills and Debt

If you have read my previous articles, you might be saying to yourself, “Ok Ashley, you are giving me all this advice on how to fix my credit score and negotiate with the credit bureaus –are you assuming that I have the money to negotiate with? How do …