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What is Debt Consolidation and How Does it Work?

What is Debt Consolidation and How Does it Work?

Debt consolidation is when you bundle several debts together into one larger sum and then make a single monthly repayment instead of multiple smaller ones. Consolidating debts with different interest rates and repayment schedules ca...

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Best Credit Monitoring Services of 2022

Best Credit Monitoring Services of 2022

A credit monitoring service should make tracking your credit score a seamless part of your life — much like checking your email or ordering delivery for dinner. The best services, which I list below, all excel with this kind of acce...

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5 Best Mortgage Refinance Lenders

5 Best Mortgage Refinance Lenders

There are several reasons to consider refinancing your mortgage. You might be able to get a lower interest rate, which would lead to smaller monthly payments. You might also be able to use your home’s equity for a loan. Irresp...

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Sample Letters to Creditors

Sample Letters to Creditors

Repairing your credit could mean writing a lot of letters to creditors and the three credit bureaus — dispute letters, debt validation letters, goodwill letters. And so on. To make writing your letters easier, you can use the ...

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Best Credit Repair Software

Best Credit Repair Software

Be careful when you buy credit repair software. Many programs promise a lot, including dramatic increases in your credit score. In reality, the software cannot provide a miracle cure for a bad credit score. When you buy a credit rep...

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What Your Credit Score Range Means

What Your Credit Score Range Means

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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DIY Credit Repair in 5 Easy Steps

DIY Credit Repair in 5 Easy Steps

Having bad credit makes life a lot harder. You won’t be able to open a new credit card, close on a mortgage loan, or even get a personal loan with affordable interest rates. In most states, even your car insurance will cost mo...

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The Best Debt Consolidation Loans

The Best Debt Consolidation Loans

Even just one outstanding debt is a headache that can drag down your credit rating and make it tough to get a loan for a home or a car. Having several outstanding loans is even worse, as it can be difficult to keep track of payments...

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