The Old Navy Credit Card is serviced by the GE Money Bank and features benefits that may include online account access, advance sale events, offers, and promotions. Users may access their account 24-7 to view their statements, add authorized users, balance, and make payments. Credit cards can be used for payment online and in stores.

Macy’s Credit Card is provided by Department Stores National Bank for Macy’s customers. Interested customers can apply for a card online. Current cardholders can log into their online account to view their account information, pay their bill, manage their account and more. Cardholder benefits include discounts and special offers at Macy’s stores. Macy’s Credit Card is accepted at any Macy’s store.

Everyone, it seems through mass media coverage, knows how to dispute negative credit listings on your credit report. This is a good thing. However, many people are foiled in their disputes because of the way the credit bureaus “investigate” the disputes.

Debt settlement, also known as debt arbitration, debt negotiation or credit settlement, is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full.

The federal government gives us the right to a free credit report once a year. However, there’s no government mandate for annual free FICO Scores — the credit score lenders most often use to approve credit applications. You may be able to receive a free FICO Score by signing up for another subscription service, but that isn’t always a good option.