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…
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.
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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Lessons Learned on the Road to an 850 FICO score
One of the most common goals we hear from our clients is, “I want to improve my credit score.” FICO credit scores range from…
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How do credit counseling and debt management affect your credit score?
As part of our ongoing series to better explain the relationship between credit counseling, credit reports and credit scores, we want to look specifically…
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The Credit Counseling Process: Reviewing Your Credit Report
One of the central components of the credit counseling process is the credit report review. This serves a variety of purposes, and can help…
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Understanding Hard vs. Soft Credit Checks
A savvy consumer should always think twice before authorizing any company to pull their credit report. But in today’s world, credit checks (also commonly…
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Why You Should Never Pay Medical Bills with a Credit Card
As we’ve discussed on several occasions in the past, medical debt is rough! There’s nothing worse than dealing with an injury, emergency, or even…
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