Credit
Latest in Credit
Removing Collections from Your Credit Repo...
Removing A Charge-Off From Your Credit Rep...
About Credit Freezes and Fraud Alerts
What is a Good Credit Score Range?
How Your Credit Score Affects Your Mortgag...
All Articles about Credit
How to Remove Tax Liens From Your Credit Report
A lot of people think they’ll never get a tax lien removed from their credit history. This couldn’t be further from the truth. In fact, removing a tax debt will be easier than removing a private debt like a credit card charge-off or...
Guaranteed Unsecured Credit Cards for People with Bad Credit
When you have bad credit, there’s no guarantee you’ll get approved for traditional, unsecured credit cards. But almost everybody gets approved for secured credit cards. Why? Because you pay a security deposit rather than...
Credit Utilization: Maintaining The Right Credit Balance to Li...
If you’re paying off your credit cards to improve your credit score, read this post first. By the end of this post, you’ll know not to automatically close all your paid-off accounts — even when the total balance hits $0....
Should You Reopen Closed Credit Card Accounts?
Most of the time, open credit card accounts look better on your credit report than closed accounts, so it’s good to know how to reopen a closed credit card account. Open accounts extend the average age of your credit history. ...
Best Credit Monitoring Services of 2022
A credit monitoring service should make tracking your credit score a seamless part of your life — much like checking your email or ordering delivery for dinner. The best services, which I list below, all excel with this kind of acce...
Sample Letters to Creditors
Repairing your credit could mean writing a lot of letters to creditors and the three credit bureaus — dispute letters, debt validation letters, goodwill letters. And so on. To make writing your letters easier, you can use the ...
Best Credit Repair Software
Be careful when you buy credit repair software. Many programs promise a lot, including dramatic increases in your credit score. In reality, the software cannot provide a miracle cure for a bad credit score. When you buy a credit rep...
What Your Credit Score Range Means
My credit repair journey started when I had a credit score in the 530s. I couldn’t get a credit card, let alone a mortgage loan. That’s when I said enough is enough and set out to learn everything I could about improving...
DIY Credit Repair in 5 Easy Steps
Having bad credit makes life a lot harder. You won’t be able to open a new credit card, close on a mortgage loan, or even get a personal loan with affordable interest rates. In most states, even your car insurance will cost mo...
5 Amazingly Simple Techniques to Optimize Your Credit Score
Forget maxing out your credit cards, here are some easy techniques anyone can use to optimize your credit score. Most of these techniques can be used by those who have both good and bad credit. I recommend that you try to do as many...