Credit Help

Does Your Credit Score Affect Your Self Worth?

I got online today after an awesome vacation in the Caribbean with my wife to find my February statement from TransUnion in my inbox. In February I finally met my longterm credit score goal of 775. Wow… it was sort of a shock. Don’t

How To Build Credit When You Don’t Have Any

There is a lot of outdated crap on the internet about how to build credit when you don’t have any and I’m tired of hearing the same stuff over and over. I’m going to tell you the best way to build credit. It’s actually

3 Tactics To Get A Collection Removed From Your Credit Report

I wrote a post awhile back on how to remove late payments from your credit report and it was insanely popular. There are also some great tactics for getting a collection removed that I wanted to share with you. 1. Carefully look for ANY

Closed At Customer’s Request — Is Your Credit Score Affected?

Reader’s Question My husband has three old credit cards from college that he racked up, then didn’t pay for years. A few years ago he started with a debt free counseling program that took a lump sum every month and paid each card a

How Reopening a Credit Card Can Improve Your Credit

Generally, open credit card accounts look better on your credit report than closed accounts because open accounts add to your credit history. It’s good for your credit score to have a long credit history. If you made the mistake of closing credit cards like

Creditor Reported Late Payment Less Than 30 Days

Question I had a bill due around May 2nd, but was not able to pay the bill until May 29th. However, the creditor reported it on my credit report as a late payment. I heard that the creditor only shows deliquencies after 30 days.

Removing An Account After A Divorce and Signed Divorce Decree

Question What is the best letter I can send to the credit card company to request my name to be removed from an account to where I am the Main cardholder, but due to an divorce and the agreement signed and documented in the

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 things I had heard about credit were completely false. Here is a list of the most common myths about credit. Canceling credit cards

How College Students Are Taught Personal Finance by Credit Card Companies

If you have attending college in the past 10 years, it’s likely you keenly remember receiving about 20 pre-approval credit card offers your first semester. And gauging by the numerous emails I receive daily on the subject of credit card debt due to college,

Why It’s So Difficult to Find Honest Credit Help

Finding credit help (particularly online) is difficult. As you may recall I expressed my frustration with the lack of honest, responsible resources available for people who want to repair their credit score in my first blog entry, “Why I Am Starting A Credit Blog“.