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How to Remove Collections From Your Credit Report

How to Remove Collections From Your Credit Report

In my experience, it is possible to remove collections accounts from your credit report. A collection entry on your credit report will lower your credit score. Often, a collection account will keep you from getting a mortgage or aut...

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Credit Books I Recommend

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 &a...

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Credit Utilization Calculator

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). ...

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Secured Credit Cards and Credit Repair

Secured Credit Cards and Credit Repair

There’s an age-old saying that, “it takes money to make money.” Well, it also applies to credit cards and credit scores. You have to have a card to rehabilitate your credit score. Of course, if your score is too low, then you will l...

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10 Things That Lower Your Credit Score

10 Things That Lower Your Credit Score

As you are reviewing your credit report take notice of the “Account Status” for each entry. The “Account Status” is reported by the creditor of that account and can give you a good indicator as to how much th...

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Orchard Bank Credit Cards Are Not A Scam

Orchard Bank Credit Cards Are Not A Scam

I have had about a dozen people ask me if Orchard Bank credit cards are a scam. If you aren’t familiar with Orchard Bank credit cards, they are designed specifically for people with bad or no credit. Orchard Bank (HSBC) offers...

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What Is The Average Credit Score?

What Is The Average Credit Score?

We all get to a point in our life where we have to think about our credit score, whether it be to buy your first car, get your first credit card, or purchase a home. You hope you have a good enough credit score to have a great rate ...

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