Credit & Debt

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How to Maintain Good Credit Throughout Life

Your credit report presents a financial snapshot of your life…so far. As your life changes, your credit report changes, too. If your life is filled with positives like a steady job, a good income, controlled [more…]

How to Use a Cosigner to Raise Your Credit Score

Getting a loan and raising your credit score by having someone cosign for you is a triple-edged sword. Cosigning means that another party (usually a person with better credit) signs alongside you to guarantee [more…]

How to Raise Your Credit Score through Small Purchases

Because a lot of your credit score is based on using credit and making payments on time, it’s a good idea to use small purchases to get back into good standing quickly. Why does making small purchases [more…]

Which Creditors Don’t Report to the Credit-Reporting Agencies?

Why doesn’t every creditor report your history to all three credit bureaus? Because every time your creditors send data on you to a bureau, they have to pay a fee. Some lenders don’t think that this is [more…]

How to Leverage Your Mortgage to Build Credit

Owning a home and paying your mortgage can help build your credit in a few different ways. Credit grantors look at your credit report and credit score in order to rate your lendability, but they ultimately [more…]

How to Finance Your Car to Help Build Credit

Financing your car can help build your credit. Because of the very large price tags on most cars, most people require some financing in order to purchase one. Such financing typically comes in the form [more…]

How Do Student Loans Affect My Credit Score?

Student loans can be a good or bad thing for your credit score. Because of the increasingly unaffordable price tag on higher education, many people have student loans. Student loans make a lot of sense [more…]

How Good Debt Builds Good Credit

No doubt about it: Getting into debt can get you into trouble. Although debt certainly has a downside, borrowing money can also do a great deal of good for your credit record. [more…]

How to Review Your Credit Report for Problems

The task of knowing what’s in your credit reports is a lot easier than some people may lead you to believe. But it does take a little time, some patience, and occasionally persistence. You don’t need to [more…]

How to Use the Law to Get Your Credit Record Clean and Keep It That Way

Nowadays, you have expanded rights regarding access to your credit report, granting you more empowerment than any other time in the modern history of credit. The Fair and Accurate Credit Transactions Act [more…]

How to Correct All Your Credit Reports

Not all the credit bureaus have the same information in their files. So, for example, if you look at your Experian credit report, see an inaccuracy, follow the dispute process, and have it corrected, you [more…]

How to Add Positive Information to Your Credit Report

Insufficient information on your credit report can also cause trouble. Bad credit isn’t the only culprit. The best way to get positive information inserted into your credit report is to pay your creditors [more…]

Which Credit Problems Can I Fix on My Own?

Repairing your credit can be a tough and often frustrating situation. While there are a number of services available to help you, there are some situations that don’t require outside help. Here are three [more…]

How to Get Free Help with Your Mortgage to Improve Your Credit

Home mortgage debt is different from all other types of debt and can be very complicated. You should seriously consider using a professional to make sure that you don’t make costly and damaging credit [more…]

Does Credit Counseling Help with Credit Problems?

A legitimate, certified credit counselor may offer just the help you need to get a handle on your financial problems. A nonprofit credit counseling agency serves as an objective party to help you see your [more…]

Free Legal Assistance for Your Credit Problems

You may be asking yourself if an attorney to help you with your credit problems can possibly be free or low-cost. The answer is yes, if that’s what you need. Notice the use of the word [more…]

What Debt Collectors Can and Can’t Do

If you have credit problems, you will likely be contacted by a collector at some point. If a collector contacts you about a debt by phone, the collector has five working days to send you a written notification [more…]

Know the Statutes of Limitations to Handle Debt Collectors

Every state has a statute of limitations (SOL) that limits how long the courts can be used to collect a debt. After a debt is between 2 and 15 years old [more…]

How to Negotiate a Payback Arrangement with Debt Collectors

When you and the collector agree that all the particulars of the debt are legitimate, it’s time for you to make an offer to resolve the obligation, whether the cause of the delinquency was an unintended [more…]

Debt Collection: Escalation Options that Help

When you’re dealing with a debt collector, you may arrive at a sticking point and recognize that the person you’re speaking with doesn’t have the authority to do what you’re asking. Instead of stopping [more…]

How to Communicate with Creditor Customer Service to Avoid Collections

If you’re in trouble, try contacting the creditor to avoid collections altogether. When dealing with creditors, communication can be difficult because of the associated guilt, anger, and other emotions [more…]

How to Avoid Debt Collection

Not paying your bills on time may be what got you into a bad-credit situation in the first place. But making on-time payments for the amount agreed is the most important thing you can do to keep bad credit [more…]

How to Manage Charge-Offs to Improve Your Credit

During the collections process, you come to some significant stopping points where unresolved matters take a turn for the worse. It’s important for you to know when you’ve reached these points, how important [more…]

How Debt Settlement Agreements Affect Your Credit

When a creditor allows you to pay off your debt for less than you borrowed, you’re settling a debt. And because no one likes to lose money, settling a debt is rarely easy. Although you may not have stiffed [more…]

How Judgments against You Affect Your Credit

An unpaid charge-off often makes its way to a lawyer sooner or later and that can be very bad for your credit. A collection attorney may take your case to court, you may have a judgment entered against [more…]

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