Have you ever seen your credit score crash? Sometimes at the last minute? We’ve all been surprised by credit reports that weren’t as great as we wanted them to be. This is how to make sure your credit report is headed in the right direction, especially if your going to get a home loan mortgage in the next 30 days.

Having at least a 721 credit score will give you a chance to secure some of the best financing options on the market, get preferred interest rates on loans and credit cards, and have more negotiating power when you’re talking terms with a prospective lender.

What happens when you are sued by a debt collector? While it may feel like the end of the world, it’s a pretty routine occurrence in courts across the country. Most debt collection law firms file hundreds of lawsuits a day, assuming that 99% of defendants will not answer.

NSF checks (Non Sufficient Funds), also referred as a bounced check are considered bad and will end up on your credit report — lowering your FICO Score and preventing you from obtaining credit.

Let’s say you already have a past due on your report and you want to get the debt off your back, so you agree to pay for 75 percent of the debt.