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!
How to Freeze Your Credit
You may have heard the horror stories of identity theft and fraud from your family and friends. It’s never fun to have your personal data taken and used without your consent. This type of theft often ends with significant headaches and could cause years of repairing your credit. But there is a way to protect […]
609 Dispute Letter Template – What it is and How to Write One
Most people who are looking for a 609 dispute letter template already have an idea of what it is, but for those who don’t, or those who want to learn about how the letter works, we’ve got you covered, including a template for your disputes, but don’t send it out without understanding what it means. […]
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
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 […]
