It takes credit to get credit, so where do you start when you’re looking to improve your credit score? A secured credit card is a great place to start, regardless of your credit history. Whether you’ve been haunted by bad credit or simply haven’t had much credit at all, using a secured credit card is … Continue reading How to Use a Secured Credit Card to Build Credit →
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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 can be … Continue reading How to Deal with Debt Collectors →
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? →
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 the ropes … Continue reading How to Freeze Your Credit Report →
When you get a copy of your credit report, you may be surprised at some of the information that’s actually included. Some of it is negative and can hurt your chances to be approved for credit or loans. It pays to know what information is on your credit report before you apply for a credit … Continue reading How to Remove a Tax Lien from Your Credit Report →