5 Major Credit Score Myths People Still Believe

July 21, 2011 Credit Repair

If you’ve read any number of these blogs, you know the high level of importance I place on your credit score and credit score repair.  They’re like the permanent records your grade school teachers always warned you about come to life.  Suddenly, every financial decision you’ve ever made is under the microscope for lenders and [...]

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How Paying Old Accounts Can Damage Your Credit Score

July 14, 2011 Credit Repair

Everyone knows that not paying your bills is a bad idea for your credit.  It can cause anything from delinquencies, charge-offs, and collections to appear on your credit report – all of which will seriously drive your score down. Most consumers who already have a number of negative accounts on their reports are already looking [...]

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How to Get a Credit Card Without Any Credit History

July 12, 2011 Credit Repair

Trying to establish lines of credit for yourself can be a daunting task if you’ve never taken out a loan or held a credit card in your name at any time in your life.  Fortunately, establishing new credit isn’t as hard as it may seem – even if you have no prior credit history.  Here [...]

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Why Picking the Right Debt Relief Service is So Important

July 6, 2011 Debt Settlement

It may seem like our record starts to skip a few beats every time we discuss debt relief and debt settlement companies, and how important it is to pick the right one, but we feel the urgency is justified when we read about scumbags out there who set up debt elimination scams, and those who [...]

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Prioritizing Credit Card Payments

June 30, 2011 Credit Card Debt

Prioritizing credit card payments is one of the key factors in getting your credit reports in order and improving your credit score.  Unfortunately, there’s a vast wealth of wildly differing opinions available online about the best method to paying your debts down, and while they all sound like great advice, they could also greatly extend [...]

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Top 5 Ways to Get a Copy of Your Credit Report

June 28, 2011 Credit Repair

For many people who are anticipating a loan or new line of credit, knowing the state of their credit report is paramount.  After all, your score and report are sort of like that permanent record your teachers always warned you about in grade school come to life.  It can make or break your chances of [...]

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5 Major Lies Debt Collectors Tell Consumers

June 21, 2011 Credit Repair

Everyone knows debt collectors will do just about anything they can to collect on a debt from you – including stretching the truth in new and creative ways. Sometimes, they outright lie and make completely ridiculous claims about what can happen to you if you don’t pay up.  I thought we’d take the time today [...]

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Paying Down Student Loans to Improve Your Credit Score

June 16, 2011 Credit Repair

If you’ve got a lot of outstanding student loans on your credit report, chances are high that you’re in need of some form of credit repair.  You partied hard for you 4 or so years of college (as you should have) and now it’s time to pay the piper.  But what’s the best way to [...]

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How to Keep a Good Debt From Going Bad

June 14, 2011 Credit Card Debt

Believe it or not, there is such a thing as a good debt. Today, I thought I’d briefly touch on what might be considered a “good” debt over all the bad ones – kind of the same as good vs. bad cholesterol – and how to avoid the bad ones so you don’t fall too [...]

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Credit Repair Scams Make Their Way to eBay

June 8, 2011 Credit Repair

We touched briefly yesterday on credit repair scams, and how to avoid them when trying to fix your past credit errors.  Well, now it seems those scams are getting even bolder, with one scam showing up on eBay for a “credit repair self-help kit” that promises to “PERMANENTLY ERASE BAD CREDIT and BOOST your CREDIT [...]

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