A collection is when your overdue bill is turned over or sold from the original creditor (such as a credit card company or doctor’s office) to a collection agency. The debt is usually sold for just pennies on the dollar. However, the creditor would rather bring in a fraction of the bill than spending the … Continue reading How to Remove Collection Accounts from Your Credit Report →
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No matter what your credit score looks like, you need a place to live. But if you’re struggling with bad credit, having your rental application chosen out of many can get tricky, especially if you live in a competitive area. Luckily, you don’t have to let a low credit score get in the way of … Continue reading How to Rent an Apartment with Bad Credit →
A credit inquiry occurs when you apply for a loan or credit card and authorize the creditor to access your credit report. Once an inquiry is pulled, it is listed at the bottom of your credit report. This allows future creditors to see how much credit you have requested in the last two years. Your … Continue reading How to Remove Credit Inquiries from Your Credit Report →
A credit report freeze is an excellent tool you can use to lock down your credit. With credit card fraud and identity theft running rampant today, it’s important to have a well thought out plan to help you keep your reputation unscathed. As part of your strategy, consider freezing your credit reports. We’ll show you … Continue reading How to Freeze Your Credit Report →
Bad credit is an ever-increasing problem throughout the U.S. Whether it’s from excessive debt or missed payments, the financial burden of a poor credit score eventually catches up when it’s time to apply for a loan, credit card, or even a new apartment. Arm yourself with information on what exactly your FICO credit score is, … Continue reading Everything You Need to Know About Your FICO Credit Score →