Category: Credit
Most Americans need good credit to survive. Whether it’s buying a new or used vehicle to getting into a new Apartment or home, credit is required and bad credit will leave you stuck in in someone’s basement and having to take the bus to work. Don’t become a victim of bad credit and learn how to take control over your credit report!
Understanding Your Rights with Debt Collection
Owing money can be an absolute nightmare for many people and, in some cases, can cause physical and mental health issues. Getting harassing calls from creditors can be extremely stressful for most people, as many of these creditors can make threats, call at different times of the day, causing you to wake up early or lose […]
How Poor Credit Affects You
There’s not many things that can affect your life more than bad credit, which is why it’s important to understand how poor credit affects your life, and that includes more than just financially. Let’s dig in and get a better understanding of how your poor credit can affect your life. What is Poor Credit? Most […]
Credit Repair: The Roadblock to Financial Success of Every Consumer
When looking for ways to repair your credit, don’t pay a company for a service that you can do on your own. Actually, you can repair and improve your credit worthiness on your own for free, at least this is what the Federal Trade Commission (FTC) has to say. The FTC warns people wanting to […]
6 Sites to Get Your Credit Report For Free
Checking your credit report or your credit score doesn’t have to cost you money. There are quite a few free resources that exist to help you check your credit, and most even allow you to monitor your credit for free! What’s the catch? There is no catch. These websites, except for AnnualCreditReport.com, which is free due […]
How to Add Tradelines
What Are Tradelines Tradelines are important for establishing credit, as “tradelines” are simply accounts that appear on your credit profile. For example, if you have a credit card with, say, Discover Card, then you have an existing tradeline with that company (Discover). The more positive tradelines you have on your credit report, the better. But the fact is, […]
Raise Your Credit Score in 90 Days
How to Raise Your Credit Score 100 Points in 90 Days Note: this article does not guarantee you will be able to boost your credit score by 100 points in 90 days, but it will give you a good idea of what is possible if you take your time to clean up your credit report […]
Method of Verification Letter – 611 Sample Letter
The method of verification is an important step in trying to fix your credit, so I think you’ll agree that it’s important to get the wording of the letter right. We’ll give you an example of the method of verification letter that you can change to your own purposes. Before that however, we will go […]
Understanding Your Credit Report
So you’ve pulled your credit report, but you aren’t exactly sure what you’re reading. Don’t worry, that’s pretty common. Most people tend to see the accounts and get a gist of what’s listed, but that’s about it. So what are you reading and how do you clean this mess up? These days it’s hard to […]
How to Repair Your Credit in 3 Easy Steps
There’s not a lot of secrets when it comes to repairing your credit, although many people would like to have you believe there is. Luckily for you, this article will explain all you need to know, as well as linked pages to really dig in – in case you decide you want to learn even […]
What Identity Thieves Want to Steal From You
No matter what part of the world you may currently be in, Identity Thieves are lurking. They want to cause you harm for their own gain. They’re looking for any way to get your information and use it to open up new accounts under your name or simply get into your current accounts. But how […]