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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...
6 Most Common Credit Myths
One of the first things I quickly discovered when I began the process of fixing my credit was that many of the things I had heard about were simply credit myths. Common Credit Myths Here is a list of the most common myths about cred...
Credit Books I Recommend
I have found the following credit 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. My 3 Favorite Credit Books Credit Help Book ...
Secured Credit Cards To Build Credit
If you are unable to get a regular credit card at even a low limit, you may need to look into a secured credit card to build credit. There’s an age-old saying that, “it takes money to make money.” Well, it also applies to credit car...