Posted on 20 Aug 2014 | 1,041 views
Closing Credit Cards can Hurt Your Credit Score

This has become less “strange” in recent years, but closing your credit cards can hurt your score.

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Rebuilding Credit »

Posted on 22 Aug 2014 | 1,059 views
Subprime Credit Card Issuer First Premier Bank APR is 79.9%

It’s no mistake, this credit card’s interest rate is 79.9 percent. The bloated annual percentage rate is how First Premier Bank, a subprime credit card issuer, is skirting new regulations intended to curb abusive practices in the industry. It’s a strategy other sub-prime card issuers could start adopting to get around the new rules.

Credit Repair »

Posted on 22 Aug 2014 | 811 views
Filing Bankruptcy Requires a Credit Counseling Certificate

One of the pre-filing requirements involves obtaining a certificate of successful completion of credit counseling with a government approved counseling agency. The counseling can take place up to six months prior to filing. If time is of the essence in filing for bankruptcy protection and you have not completed the counseling sessions, this can cause delays and problems so don’t wait until the last minute.

Fico Scores »

Posted on 21 Aug 2014 | 861 views
Have at Least Three Open Accounts to Raise Your FICO Credit Score

Having more than one credit account can boost your credit score. If possible, strive for at least three good accounts.

Credit Repair »

Posted on 19 Aug 2014 | 778 views
How to Negotiate a Debt Settlement

Debt settlements are where the debt collection agency or creditor agrees to take a lesser amount than what is actually owed in order to eliminate the debt. It is very useful for paying off old debts for less money than what is owed and can save hundreds of dollars when it comes to paying off the debt.

Credit Repair Letters »

Posted on 19 Aug 2014 | 1,638 views
How to Write a Credit Dispute Letter

Writing a quality credit dispute letter will help you get the results you want to improve your credit score. There are many samples available on the Internet, but you have to ensure that they contain certain elements before you copy and use them. Here are some qualities of a successful credit dispute letter and advice on including them in yours.