Coming back from bad credit can be difficult because people don’t always know where to start. Good or excellent credit may be your goal, but to reach that higher score, there are certain steps you have to take. If you want to see positive changes in your credit score, there…

The Fair Credit Reporting Act allows a foreclosure to remain on a consumer credit report for 7 years, but under the right circumstances, it can be removed earlier. How Does A Foreclosure Affect Credit Rating Foreclosure is a legal action that arises from delinquent payments on a piece of property,…

Identity theft can be devastating. So you are probably wondering, how long does all of this take to fix? You have worked so hard to keep your credit history perfect and all of the sudden; an identity thief ruins it. The question becomes; how long does it take to fix…

Bankruptcy can damage your credit score for as long 7-10 years on average depending on the type and the amount of debts before bankruptcy was filed. The Damage To Your Credit Nobody wants to file bankruptcy due mostly to the fact that it is very detrimental to your credit score. …

How Do I Get a Copy of My Credit Report? A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts. There are three major credit bureaus which are primarily used when…

From juggling multiple credit cards to your home’s mortgage, car payments, and student loans, dealing with debt can be stressful. As you make decisions to help manage your finances, you may consider consolidating some or all of your debt into one convenient payment. There are many benefits to combining your…