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How To Rebuild Credit After Bankruptcy

How To Rebuild Credit After Bankruptcy

Our cultural DNA demands we never give up on repaying our debt. So filing for bankruptcy — asking someone else for help with our debt — can feel like the end of a long road of personal finance failures. But there’s...

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Sample Medical Collection Letter

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 letter to the credit bureaus to find out why. You can use my sample letter, below, as a guide. I’...

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Short Sale Vs. Foreclosure

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 ...

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Statute of Limitations on Medical Bills

Statute of Limitations on Medical Bills

The statute of limitations on medical debt varies from state to state. But even if your statute of limitations has expired, the medical debt still exists. An expired statute of limitations just means the debt collector couldn’...

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How to Write a Bankruptcy Explanation Letter

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...

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How to Remove Collections From Your Credit Report

How to Remove Collections From Your Credit Report

In my experience, it is possible to remove collections accounts from your credit report. A collection entry on your credit report will lower your credit score. Often, a collection account will keep you from getting a mortgage or aut...

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