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How To Write A Credit Dispute Letter – Advanced Method
A credit dispute letter allows you to mail in a form to the credit bureaus to show proof of inaccuracies on your credit report, which you can have removed. The Fair Credit Reporting Act of 1970 requires credit bureaus to correct err...
How To Build Credit When You Have None
You can find a lot of bad information online about how to build credit history when you’ve never used any credit before. I’d like to tell you the best ways to start building credit. Building credit the right way takes a ...
Should I Cut Up My Credit Cards?
“Should I cut up my credit cards?”, we hear it a lot. We will get down to why Dave Ramsey may be wrong. First of all, this isn’t a “bash Dave Ramsey” post. Rather, I greatly admire Dave Ramsey and his o...
Sample Medical Collection Letter
If you or your insurance company has paid a medical bill but it still appears in your credit history, it’s time to write a medical collection letter to the credit bureaus to find out why. You can use my sample letter, below, a...
Goodwill Letter Template
Need to reboot your credit score? Sometimes all you have to do is ask. When older collection accounts or late payments are pulling down your credit score, you should consider asking your creditors for a goodwill adjustment. You can ...
How to Remove Kohl’s Late Charges From Your Credit Report
Unfortunately, it’s easy to forget to pay a store credit card such as your Kohl’s Credit Card. Many times we simply don’t use them very often and it slips our mind. The problem is that forgetting to pay your Kohl&#...
Short Sale Vs. Foreclosure
I received a reader question that opens an important topic – short sale vs. foreclosure. This was a big issue a decade ago during the Financial Meltdown when millions of people were losing their homes. It’s not as common today, but ...
How to Write a Bankruptcy Explanation Letter
More than three-quarters of a million people file for bankruptcy each year in the US. And since bankruptcy can stay on your credit report for up to 10 years, that means there are at least 7.5 million people showing one each time the...
Credit Repair Resources
In your journey to repair your credit, here are some quick links to some great credit repair resources you will want to bookmark to save for a later date if you need them: Credit Repair Resources to Bookmark Credit Repair Companies ...
How To Remove Late Payments From Your Credit Report
Late payments can be a big deal. They count significantly toward your FICO score calculation which so many lenders check when you apply for a loan. However, in my experience, it’s really not that difficult to get late payments remov...