student loans are they worth it?

Student Loans – Are They Worth It?

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Being a student these days is expensive, there’s no doubt about that. However, how expensive is it, and is it worth it in the long run? In 2012 student debt passed $1 trillion, and it seemed that wherever you turned there was another horror story in the media about destitute students saddled with enormous debt, […]

method of verification

Method Of Verification

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If you’ve read some of our articles regarding disputing negative items on your credit report, you may have noticed that we have discussed the Method of Verification a few times. Method of Verification is a consumers legal right under the Fair Credit Reporting Act section 611 (a) (7). This section states that: A consumer reporting […]

credit report

How Can I Get My Credit Report for Free?

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How Can I Get My Credit Report for Free? There are many ways to get your credit report, even for free. You can get your credit report by phone, by mail or online. There are 3 different credit bureaus that you should be concerned with: Experian, Equifax and TransUnion. Getting Your Credit Report for Free […]

How Long Do Negative Items Stay On Your Credit Report?

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There are a lot of different things that can be reported to the credit bureaus and put on your credit report, but how long do the negative items stay? That depends. As stated above, there are many different types of negative information that can show up on your report. For instance: Late Payments can stay […]

what are credit bureaus?

What Are Credit Bureaus?

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There’s a lot of information out there on credit-related subjects, but not so much when it comes to knowing what credit bureaus are. So let’s discuss what they are and what they do, as it’s an important part of nearly every consumers life. A Credit Bureau, also referred to as a credit (or consumer) reporting […]

How To Dispute Credit Report Errors

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How to Dispute Credit Report Errors Understanding Credit Reports isn’t exactly science, but it can be a bit difficult for some individuals to figure out. That included me at one point, too. In this article we will attempt to explain how credit reports work and how you can use them to your advantage down the […]

How Does Credit Work?

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Credit is ubiquitous in this day and age.  It seems like some form of credit is used to make all our purchases.  Our houses are bought with a mortgage.  Our cars are bought with an auto loan.  Our electronics are bought with a credit card.  These are all prime examples of just how prominent credit […]