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Credit Utilization: Maintaining The Right Credit Balance to Li...
If you’re paying off your credit cards to improve your credit score, read this post first. By the end of this post, you’ll know not to automatically close all your paid-off accounts — even when the total balance hits $0....
Should You Reopen Closed Credit Card Accounts?
Most of the time, open credit card accounts look better on your credit report than closed accounts, so it’s good to know how to reopen a closed credit card account. Open accounts extend the average age of your credit history. ...
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...
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...
Does Closing a Credit Card Hurt Your Credit Score?
When starting your personal finance repair journey you may be tempted to close credit card accounts, especially if the credit card has a negative impact on it, such as a late payment. Canceling a credit card if you rarely use it or ...
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...
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 ...
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...
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...
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...