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 […]

Smart Ways College Students Can Use Credit Cards

Building credit can be a scary thing, especially for young students in college taking their first steps out of the safety nets of living at home. But the truth is it doesn’t have to be a scary thing, it’s not even really a hard thing to do. There certainly is, however, a right way to […]

How Poor Credit Affects You

Poor credit score - how poor credit affects your life

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 […]

6 Sites to Get Your Credit Report For Free

sites to check credit

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

add tradelines to credit file

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 Example

I recently wrote an article about method of verification and even mentioned the subject in my article on how to fix your credit, but I decided to not create a sample letter to include in that article, as I believe it needs its own. So in this article I will do my best to provide you with […]

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 [...]