Credit & Debt - Rebuilding

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How to Rebuild Your Credit History with Smart Money Management

The credit history rebuilding process is not difficult, but it takes time. Your goal is to add positive information to your credit history by obtaining a small amount of new credit from a reputable creditor [more…]

Laying the Groundwork for Credit Rebuilding

If your credit history is poor, you can rebuild it over time so that when you apply for credit, creditors who evaluate your application see an improved credit history and a higher credit score. [more…]

How to Keep Tabs on Your Credit

Checking your credit is easy, and a lot rides on your credit score. Lenders use it to determine the interest rate you will pay on a home mortgage, a car loan, and your auto insurance premiums and it may [more…]

Assessing Your Current Debt Situation

To begin assessing your debt, you want to get all your debt listed in the same place so that you can see it all at once. The first step is to list all mortgage and consumer debt, including credit cards [more…]

Preparing to Meet with a Credit Counselor

If living on a strict budget is not enough to resolve your financial problems, meeting with a credit counselor to negotiate concessions from your creditor may help. Do your homework and get the following [more…]

Debt Repair Kit For Dummies Cheat Sheet

Avoiding debt and establishing a good credit standing play an important role in the lives of Australians. Today, the rewards for being a consumer of good credit standing have never been greater, but, unfortunately [more…]

How to Deal with Deficiencies to Repair Your Credit

When all is said and done and you’ve already taken the hit to your credit, you may still owe some money. If your home sells for less than the amount you still owe on the mortgage, plus fees, then you may [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…]

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…]

Wage Garnishments and Your Credit

If you receive a judgment and still don’t or can’t pay the debt, your employer may be court-ordered to garnish part of your paycheck to pay off your creditor. After the court orders a wage garnishment, [more…]

How to Manage IRS Debts, Student Loans, and Unpaid Child Support to Improve Your Credit

IRS debts, student loans, and unpaid child support are in a special class of debts. If you’re trying to improve your credit, you need to understand that these debts aren’t dischargeable in a bankruptcy [more…]

Protect Your Credit with Alternatives to Foreclosure

If you’re having trouble making your mortgage payments and your credit is in trouble, you may have a host of options to help you avoid the expense and upset of losing your home through a foreclosure. Even [more…]

How to Repair Your Credit Score after You File for Bankruptcy

Your credit score is likely to suffer dramatically from a bankruptcy. The better your score originally, the more it drops. If you had terrible credit before, a filing may not cause such a big drop. Either [more…]

How to Get and Use Credit after Identity Theft

You will need to give some thought to how you plan to get and use credit after an identity theft. As with any theft, break-in, or personal attack, as a victim of identity theft you likely feel traumatized [more…]

How to Fix Your Credit to Qualify for Military Service

Joining the military includes a review of your credit history. America owes a tremendous debt of gratitude to those who volunteer to defend this country and way of life. Not surprisingly, Americans take [more…]

How to Protect Your Credit before a Divorce

Unfortunately, you may be faced with the prospect of a divorce, which can impact your credit and finances. If your financial life was challenging as a married couple sharing a common future, in divorce [more…]

How to Protect Your Credit in a Divorce Decree and Beyond

In the event of a divorce, you need to think seriously about your credit. When the judge rules in your divorce decree, be sure that all joint debts are clearly and specifically assigned and that both you [more…]

How to Manage Your Medical Bills to Protect Your Credit

Few things are more frustrating than trying to remain financially stable and protecting your credit when you are staring at a stack of medical bills. When faced with a pile of medical bills, you have five [more…]

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