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Bad Credit Scores And How To Fix ‘Em

Learn How to Negotiate With Debt Collector...

The Best Auto Loan Companies of 2022 ̵...

How Does Mortgage Refinance Work?

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...

What Lowers Your Credit Score?

Nobody wants to be defined by a number. But when you apply for a loan, your credit score — a three-digit number between 300 and 850 — can decide whether you get approved. You’re probably a great person — a ha...

Orchard Bank Credit Cards | NOT a Scam!

Update: Orchard Bank Credit Cards are no longer available. Operating as a subsidiary of HSBC, most of HSBC’s credit card business was acquired by Capital One in 2012. I have had about a dozen people ask me if Orchard Bank cred...

What Is The Average Credit Score?

The average American has “good credit,” according to Experian, one of the three major credit bureaus. The national average credit score is 688, Experian says. Credit scores — using the popular VantageScore and FICO...

How To Negotiate With Creditors To Remove Negative Reports

When you can negotiate with creditors you can bring hope back into your financial life. A debt settlement could pull you out of debt even if you can’t pay off every penny you owe. The best debt settlement agreement could fix y...

Disputing Credit Report Inaccuracies

The quickest way to boost your credit score is to remove inaccurate and negative information from your credit report. If you haven’t checked your credit report in a couple of years, there could be inaccurate information that is hurt...