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.

Most people are aware of the importance of a good credit score. Not only is it necessary for better rates when getting loans, but the application of the credit score as a measure of how “good” someone is has been extended to employees, renters, medical positions and so on. As such, it is vital to maintain a good credit score.

Did you get a parking ticket in another state or what about a speeding ticket or other citation?

Having Credit Problems is the furthest thing from fun. People who find themselves mired in those problems only want to find a way to get out and they want to get out fast.