Bankruptcy Laws and Your Mortgage – This is a Must Read!

Whether you filed bankruptcy prior to the new bankruptcy law changed in 2005 or after, this information is something that you need to know and check on. If you have a bankruptcy that has been discharged, and you kept your mortgage with the company that you had it with prior to filing, the (read on...)

Why Potential Employers Check Credit Ratings – And Why It’s Unfair

The unfairness of life constantly amazes me. Today I was reading an article that appeared in a major newspaper. The article contained a stunning figure: Fully 43 percent of employers use credit reports as part of the vetting process for new hires. I can understand the logic for this to a certain (read on...)

Free Credit Reports – How to Get Them the Easy Way

You are entitled free credit reports annually. Your free credit reports are available to you by law, let’s look at how to get them the easy way. There is no catch, no sign up offer, no upsell you must purchase, you have a right as a citizen to know what your credit report is, and the (read on...)

I Know Why Your Credit is Bad

Why? Because you haven’t made it a priority it’s that simple. The truth of the matter is that if you wanted to have great credit you would. The first oblivious step is to stop spending what you don’t have, use debit versus credit. You need to find a way of disciplining yourself (read on...)

Building For the Future of Credit Solutions, Despite the Recession

In periods of concern it is important to tighten up collection procedures. If business conditions are uncertain as they are today, it is crucial that collection strategies are reviewed and adapted to meet the current challenges. It is simply not enough to send another letter or make another phone (read on...)

A Brief Summary and Description of Credit Reporting Agencies

A credit reporting agency is an organization that collects credit related information. It is also commonly referred to as a credit bureau. There are many agencies in the United States. However, the three main ones are Equifax, Experian and TransUnion. Equifax has been around the longest and is (read on...)

Accelerate Your New Year’s Resolutions by Improving Your Credit Score

As we close in on the end of this year, it is getting to the time of the season when people begin outlining plans, formulating goals, and finalizing resolutions for the new year. When rolling out of bed on January 1 with a renewed sense of opportunity and a clean slate to work with, people (read on...)

How to Settle Bad Credit Reports

A bad credit report is a report that implies that you have not been a very good borrower, and that creditors and lenders must be wary of you. This is shown in a single statement that is available in all major bureaus like Experian, TransUnion and Equifax. Every single time that you incur a debt, (read on...)

How Can I Remove Late Payments From My Credit Report?

This is a frequently asked question. With tough times upon us, more and more people are finding it difficult to get their bills paid on time. This, in turn, means that these same people are reported to the credit reporting agencies as late and the late payment is reported to lenders who request (read on...)

How to Obtain a Free Credit Score

As a result of the recent credit crisis, your credit score is becoming increasingly important. As the volatile economy is still recovering, many institutions are hesitant to give consumers the benefit of the doubt when it comes to credit. Recently, cell phone providers have begun to require a (read on...)