Author Archive

Do This Before Paying an Old Debt Collection

You’ve just received a letter from a debt collector demanding that you pay a debt that’s years old. Perhaps you don’t even remember the debt. What’s the best way to handle this situation? Why am I being contacted about an old debt?

How Being an Authorized User Can Help Your Credit Score

Back in the day becoming an authorized user on another person’s credit card was a great way build and even rebuild your credit. Things have changed in recent years and even though being an authorized user is a great tool for building

10 Newbie Mistakes to Avoid When Repairing Your Credit

When I started my credit repair journey almost 10 years ago I really had no idea what I was doing. Unfortunately there wasn’t a lot of reliable information about improving your credit back then so I basically learned through trial and error.

American Express Essential Credit Card Review

Everybody knows that American Express has some of the best credit cards out there, but I think you’ll really like this new card they’ve just put out. It’s called American Express Essential and I’ve just had a chance to check it out.

Everything You Need to Know About Debt Collections

Let’s talk about debt collections. Many of the visitors to this blog ask me about collections. For example, what exactly is a collection, how do they affect your credit score, etc, etc. I want to dedicate an entire article to debt collections

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