Are Balance Transfers a Good Idea?
If you’re juggling multiple loan payments each month and it seems like the principal never shrinks, a balance transfer might sound like a good…
Read this PostManaging Credit and Debt
We provide tips on how to use credit in a way that can improve not just your credit score but your financial health in general. We talk about different ways to get out of debt and go into the specifics of each program and strategy. Our videos, graphics, and commentary are filled with important information that you need to know, and we present it in a way that’s easy to understand.
Should I pay a medical bill in collections?
Our counselors regularly meet with clients who have bills for past medical services on their credit report, and a question we hear quite often…
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How Credit Reporting for Unpaid Medical Bills is Changing
It’s not always easy to financially plan for a major emergency, which is why so many people incur medical debt. And taking too long…
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How Does Settling a Debt in Collections Affect Your Credit?
The ghosts (or zombies) of your unpaid debts almost always come back to haunt you, usually in the form of annoying phone calls, incessant…
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How 4 People Paid Off a Collective $1 Million in Debt
Note: this post first appeared on NerdWallet. Clearpoint is a proud member of NerdWallet’s advisor network. Thirty-eight percent of American households carry credit card…
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How does credit repair work & which tactics should you avoid?
If you have poor credit, your ears likely perk up when you hear or see ads for credit repair companies. You may be enticed…
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How to Write a Goodwill Letter for DIY Credit Repair
Credit repair sounds good, but consumers should almost always avoid working with a “credit repair” agency. These firms typically use borderline-ethical practices that try…
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How to Remove Negative Items from your Credit Report
Bad credit can come back to haunt you. A history of late payments or unpaid debts can make it hard to buy a home,…
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