It’s estimated that one in five people have errors on their credit report. With the world revolving around credit, you can’t simply sit on your hands if you’re a part of the mislabeled 20%. A bad credit score can affect a myriad of things in your life. You surely know about the big ones like … Continue reading How to Dispute an Error with Experian →
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When you’re working on repairing your credit, it’s smart to know how your credit information is collected so you know where to go to look for improvement. Credit reporting agencies are private companies that collect certain types of data to create your credit report. Lenders, credit card companies, and other creditors then access this information … Continue reading What Is a Credit Reporting Agency? →
If you’ve ever gotten a phone call from a collection agency — or, if we’re being honest, several phone calls, since there’s never just one — you know how scary the experience can be. Not only do you owe a potentially large sum of money, but your credit report may also be in shambles. It … Continue reading How to Deal with Debt Collectors →
If you have struggled with getting loans because you have poor credit, then you have probably started looking into other ways to get the financing you need. One of the options you will most likely run into is a subprime loan. Subprime loans are generally for people without a stellar credit history. Sometimes lenders that … Continue reading What Is a Subprime Loan? →
Buying a car is a huge financial responsibility, from cash upfront to expensive monthly payments. Both new and used car prices are at an all-time high, so this burden isn’t getting easier for anyone. On top of that, car values don’t always hold with the amount you owe on the loan. As soon as you … Continue reading How to Remove a Repossession From Your Credit Report →