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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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 report is difficult, it’s certainly not impossible. The key is to know what to do and what not to do before you start the … Continue reading The Ultimate Guide to Removing Charge-offs from Your Credit Report →
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 Get a Repossession off 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 →