You want to improve your credit scores, but you have outstanding debts to a collection agency. Before you pay it all off, take a few moments to evaluate your personal situation. Different types of debts should be handled in different ways because they each impact your credit scores uniquely. The way you handle your repayment … Continue reading Paying Off Collections to Improve Your Credit Score →
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When you’re working on increasing your credit score, it’s important to know how exactly the scoring process works. That way, your financial decisions can be guided by what’s best for your wallet as well as what’s best for your credit score. Whether you’re trying to rebuild credit after a tough period, or want to get … Continue reading Why Are My Equifax, Experian & TransUnion Credit Scores Different? →
As lawsuits grow to be more common occurrences, a growth in the number of civil judgments are being doled out to individuals; especially from collection agencies. This can impact your life in numerous ways, so it’s important to fully understand the repercussions. Hopefully, this information will help you avoid getting to the point of a … Continue reading How to Remove a Judgment from Your Credit Report →
Once a homeowner has fallen behind on their monthly mortgage payments by at least 120 days, mortgage lenders generally begin foreclosure proceedings on the home. Having negative items on your credit report such as foreclosure can be damaging to your credit scores, even if you’re already recovering financially from defaulting on a former home. While … Continue reading How to Remove a Foreclosure from Your Credit Report →
Not only does a charge-off look bad on your credit report, it can also keep you from getting approved for loans or credit cards. While getting a charge-off removed from your credit report is difficult, it’s certainly possible. The key is to know what to do and what not to do before you start the … Continue reading How to Remove a Charge-Off from Your Credit Report →