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 Collections from Your Credit Report →
Need Help Repairing Your Credit?
It might seem difficult to pick the right credit repair company, but it doesn't have to be. Check out our round-up of reviews to help narrow down the choices.
You can count on us to be impartial while maintaining professional standards to help you make your decision. Just follow the link below to view our recommendations.Best Credit Repair Services
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 →
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? →