Whoa Nellie - Don't Pay that Bill Hold your horses. So you got a collection letter in the mail. You are distraught and already figuring out how to pay the collector. Shockingly, a majority of collections are paid needlessly. Resist the impulse to pi...

Your Credit Score Matters One little number determines the interest rate you pay on every loan you take. And your interest rate determines your payment, thereby impacting your budget and the quality of your life. This is important. Every point of yo...

Credit Repair - It Takes Three to Tango Get all three of your credit reports. There are a variety of ways to do this. In fact, as any one who has started a credit repair project knows, there are about a thousand ways to get your credit reports on th...

Your credit score is a three digit number that will have a huge impact on your quality of life. This number can save you money or cost you money in high interest rates and down payments. The credit bureaus use an equation to calculate your score. The...

The Backward Morality of Collectors In a perverse way, collectors are backward therapists, intentionally attempting to evoke feelings of fear and guilt. If they cant make you feel afraid or guilty, they will even settle for making you mad as long as...

Common Practice It is a common practice for parents to give a child a credit card. Its good for emergencies and handy for everything from summer camp to college life. It is also common for one spouse to make the other spouse an additional card membe...

Join the ranks of the millions of people that have discovered the benefits of professional credit repair. Far too many people have stood on the sidelines, discouraged by the complexity of their credit report and their own doubts about the effectivene...

The practice of piggybacking has been around for years, and many consumers have used it to boost their credit scores. In order for a consumer with bad credit to boost their score, a person with good credit would authorize the bad-credit individual on...

John and Susan declared bankruptcy in January of 2004 and were discharged four months later in April. They were under the impression that there was nothing that could be done to repair their credit following the bankruptcy. They both felt as if they...

The TransUnion settlement is being offered to an estimated 150 million consumers. Want to know if you're one of them? Well, it's a reasonably safe bet you are. You see, the settlement is being offered to anyone who had an open line of credit anytime...

Credit Report Errors are here to Stay The credit bureaus will never produce accurate credit reports. Does this shock you? You might be even more surprised to know that congress has acknowledged this fact and created legislation that virtually guaran...

Pay Your Bills on Time Credit repair means timely payments. Does this go without saying? If you want to repair your credit and improve your credit scores you cannot afford new late payments on your credit report. New late payments will have a major...