100 Words for Better Credit

Aug 3, 2020 by

If your credit report is tarnished, you’ve got the right to add a 100-word statement of explanation or argument.

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Credit Repair: Always a Rip-Of...

Jun 29, 2020 by

Is your credit report blemished? Are you considering cosmetic surgery? Don’t waste your money please.

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“Charged Off” Debt...

Jun 22, 2020 by

After you declined to make any payments for six months, your credit card issuer “charged off” your debt. Are you off the hook?

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Considering Bankruptcy?

May 18, 2020 by

You may know that filing bankruptcy will crush your credit for about a decade. But if you’re considering bankruptcy, do you know that the timing of filing can make or break your plan for a fresh financial start?

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Handle Old Debts Carefully

Dec 16, 2019 by

You’ve got a 5-year old debt. Do you still owe it? Should it still be on your credit report? Is it dragging down your credit score? Can you be sued for collection?

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Opt Out of Credit Offers

Dec 9, 2019 by

Here’s how to cleanse your mailbox forever of those unsolicited offers to lend you money.

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Rapid Rescore = $$$

Mar 18, 2019 by

Applying for a mortgage or thinking of refinancing? Be sure your mortgage lender does a “rapid rescore” analysis of your credit report.

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When to Freeze Your Credit

Dec 24, 2018 by

You may have heard of freezing your credit cards in a block of ice as a tactic to deter impulse spending and borrowing. But that’s not what’s meant by “credit freeze.”

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TransUnion.ca Sneakiness

Aug 27, 2017 by

Here’s how TransUnion’ca’s process for obtaining a credit report—which should be free—morphs into a purchase of a $239/year “credit monitoring” product. Shameful!

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Credit Score Boost for You?

Jun 11, 2015 by

If you have any debts in collections, a new agreement between 31 state attorneys general and the credit reporting bureaus may mean a higher credit score for you!

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