Rebuilding Credit »

Posted on 9 Nov 2019 | 6,246 views
Can I get a Mortgage, Credit Card or Auto Loan With a Credit Score of 550?

In order to improve your credit score, it’s always the same formula — you need to make on-time payments, reduce debt, increase credit lines and use plenty of diversity in your credit profile. Additionally, it will help significantly to keep old lines of credit open.

Free Credit Report »

Posted on 9 Nov 2019 | 3,307 views
How to get a Free FICO Score Based on Your Credit Report

Start by doing a credit checkup — you can monitor your credit yourself by requesting a free report once a year from each of the credit bureaus through www.annualcreditreport.com but the free report won’t include your credit score, you’ll pay about $8 to get the credit bureau’s proprietary number.

Credit Repair »

Posted on 7 Nov 2019 | 3,067 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.

Free Credit Report »

Posted on 7 Nov 2019 | 3,902 views
Citi is another Credit Card That is Offering Free Credit Scores

Citi is another credit card that is offering free credit scores in the latest financial institution perks to give customers free credit scores through the FICO Open Access program, FICO announced, making it the largest participant in the program that will be available to more than 60 million consumers in 2015.

Rebuilding Credit »

Posted on 6 Nov 2019 | 3,793 views
How to Deal With Debt Collectors

If you have debt, chances are you’ll have to deal with a debt collector at some point, at least until you pay off the debt. Even if you’ve hired a debt settlement company to help you negotiate down your debt, debt collectors may still contact you for payment. Here are some tips for dealing with debt collectors, even when they get rude.