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Does Being an Authorized User Help Your Credit Score?
I have been receiving a lot of emails from folks asking how authorizing another person (usually a friend or relative) on their credit card will affect both party’s credit score. Back in the day, becoming an authorized user on ...
10 Newbie Mistakes to Avoid When Repairing Your Credit
When I started my credit repair journey over 10 years ago I really had no idea what I was doing, which is why I can now provide you with the most important mistakes to avoid when repairing your credit. Unfortunately, there wasn̵...
Debt Collection: Everything You Need to Know
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. I want to dedicate an entire article to debt ...
5 Things You Need to Do If You’re Denied a Mortgage Loan
Many readers come across this blog when they’ve just been denied for a mortgage and they need help figuring out what to do next. There is not much worse than being ready to buy a home only to be denied financing by the lender. First...
3 Ways to Remove a Foreclosure From Your Credit Report
Unlike removing late payments or collections, removing a foreclosure from your credit report will be difficult. But it could be possible to remove a foreclosure from your credit report when you follow the three steps I list below. I...
How to Improve Your Credit Score by 100 Points FAST
In most cases, you can improve your credit score by at least 100 points within a month. The key is focus, organization, and using the right methods. Using the methods in this post, I have helped hundreds of people quickly improve th...
Good Debt vs. Bad Debt | Why You Shouldn’t Believe The &...
When people talk about “good debt” they usually mean debt that eventually creates value. In other words, it’s debt that will hopefully create wealth sometime in the future. By this same logic, “bad debt” is debt that sim...
A Regretful Debt Collector Tells Me His Story
Before I get into my interview with a former debt collector, I’d like to give you the back story as to how this all happened. A couple of weeks ago I received an email from a guy who said he was a debt collector for many years...
How I Get 15% off Amazon Purchases
I spend a ridiculous amount of money on Amazon, which is why I always like to use Subscribe and Save and get at least 15% off Amazon purchases every time! In fact, I’ll oftentimes use the free two-day shipping with my Prime me...
How To Rebuild Credit After Bankruptcy
Our cultural DNA demands we never give up on repaying our debt. So filing for bankruptcy — asking someone else for help with our debt — can feel like the end of a long road of personal finance failures. But there’s...