With so many credit repair companies available both locally and online, it can be frustrating to know who to trust. The Fair Credit Reporting Act was enacted to help protect consumers by allowing for a robust credit repair process. Unfortunately, it opened the door for some unsavory companies to take advantage of individuals in need … Continue reading 5 Signs Your Credit Repair Company is a Scam →
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Getting a divorce or legally separating is unpleasant to begin with. The last thing you want to hear is how it can affect your credit. But it’s something you should understand, especially if you have recently initiated or concluded divorce or separation proceedings. The good news about divorce and credit scores is that divorce doesn’t … Continue reading How Does Divorce or Legal Separation Affect Your Credit? →
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 →
Derogatory marks listed on your credit report can leave a lasting impact on your credit score — and not in a good way. So what exactly does that mean? As the name implies, a derogatory mark refers to any negative item on your credit report. Most stay there for at least seven years, but some … Continue reading What Is a Derogatory Item on Your Credit Report? →
Any payment made 30 days or more after the due date is at risk of being reported to the three credit bureaus as a late payment. And having your credit report peppered with them can cause your credit score to plummet. Added to that is the fact that the payment continues to show up on … Continue reading How to Get a Late Payment Removed from Your Credit Report →