Posted on 12 Apr 2014 | 8,553 views
5 Costly Credit Card Mistakes

Let’s face it, there are certain situations in which you need a credit card. For example, at many places it is impossible to rent a car without a credit card. Booking a hotel, renting a car or buying an airline ticket online is virtually impossible without a credit card.

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Fico Scores »

Posted on 19 Apr 2014 | 659 views
5 Ways to Boost Your Credit Score

Fixing your credit score can be very stressful at times and it feels like it’s never ending where the bills keep piling in and it seems like you’re making no progress. While most people tend to just give up and declare Bankruptcy, there are many ways you can fix your credit score and start off where you started when you first grabbed your first Credit Card.

Rebuilding Credit »

Posted on 18 Apr 2014 | 510 views
5 Credit Tips for Students

Building and maintaining good credit is more important today than ever. Whether we realize it or not, so many parts of our daily financial lives revolve around our credit scores. But don’t fret — abide by these five must know credit tips for students and you shouldn’t have any problems at all.

Fico Scores »

Posted on 18 Apr 2014 | 583 views
Creditors are Making Their own Social Media Credit Score and Credit Report System

CoreLogic and FICO partnered last year to offer lenders an alternative credit score for more predictive scoring, which includes data previously not used in credit scoring, from a borrowers cell phone bill, utilities, payday loan activity, to child support judgments, evictions, property tax liens, the status of homeowner’s association dues, whether or not a borrower is underwater on their current home, or whether a borrower owns other properties that credit agencies typically miss.

Credit Repair »

Posted on 17 Apr 2014 | 422 views
How to Remove Charge Off’s From Your Credit Report

A “Charge Off” is an accounting term that creditors use when they assume after a period of delinquency that they are not able to collect on a debt that is owed to them. Creditors write that debt off as a loss against their income taxes. Just because a debt is charged off (or written off) does not mean the debt is forgiven. The money is still owed. The creditor will usually sell or assign the debt to a collection agency or a lawyer to effect collection.

Rebuilding Credit »

Posted on 16 Apr 2014 | 6,317 views
Student Loan Debt Default Versus Student Loan Forgiveness

If you’re thinking you can settle your student loan debt for 40% to 60% less than what you currently owe, think again. Student loans are nearly impossible to discharge in bankruptcy and therefore just as difficult to settle. If you’ve defaulted on your student loans, your best option is to figure out how to get caught up. Otherwise, you could be sued for the debt.