It’s easy to feel overwhelmed and even more than a bit intimidated when you have credit troubles. Creditors, and especially collection agencies, have a way of making threats – both actual and implied – that can make you feel that they have the force of law behind them. But creditors can’t do whatever they want […]
Serial Debt Consolidation: The Road to Financial Ruin
People often try to deal with mounting debt and credit problems by doing a debt consolidation. In theory, it’s a sound idea. But in reality, one debt consolidation leads to another, and then to another. It’s called serial debt consolidation, and it’s more often the road to financial ruin then to credit salvation. How does […]
How To Write A Credit Dispute Letter
If you’ve ever discovered there is erroneous credit information in your records, either by getting a letter from a creditor or, more commonly, in a line item on your credit report, then you know how disturbing it can be. A single credit blemish can have a major negative impact on your credit score. Your first […]
7 Ways to Negotiate With Creditors
Negotiating with creditors with whom you still enjoy a good standing is an important skill – and very different from negotiating with debt collectors. The idea is to avoid your credit problems reaching the point where debt collectors and credit repair are even part of your life. So how can you negotiate with creditors in […]
How Your Credit Score Can Affect Your Job Search
Most people recognize the importance of their credit score and its effect on their ability to borrow money. It affects not only your ability to get a loan, but also under what terms and at what rates of interest. But credit scores have an impact beyond credit. One of the biggest areas is in regard […]
5 Ways to Reduce Your Debt and Improve Your Credit Score
Here are five tips and tricks that many people overlook when they try to improve their credit score. It may be difficult to do the heavy lifting – but you may not have to. These are relatively easy and painless and could give your score a significant boost.
How Long Bad Credit Stays on Your Credit Report
We all know that bad credit hurts your credit profile and credit score. But how long does bad credit have that effect? It really depends on the type of credit where the derogatory information is being reported. But ultimately all bad credit information does eventually disappear from your credit report. Negative Credit Reporting is Limited […]
7 Ways to Deal With Large Medical Bills
Large medical bills are a different kind of debt. This is partially because they don’t come from traditional lenders, and because you can be swapped with a very large amount of debt in a short period of time. In addition, the storm can come without warning – one day you don’t owe anyone a dime, […]
How to Get Your Free Credit Report from The Major Credit Bureaus
If you are considering subscribing to an online credit reporting service so that you will have access to your credit report, it may not be necessary. You can get your free credit report from the major credit bureaus without having to use a third-party service at all. You Have a Right to Your Credit Report […]
7 Ways For New College Grads to Avoid Messing Up Their Credit
As a new college graduate you are setting up all kinds of patterns in your life. Some will be good, and others not so good. Which direction they take will depend on how you handle them. Credit is an excellent example. Many new college grads mess up their credit, either because they don’t fully understand […]
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