7 Steps After Bankruptcy to Increasing Your Credit Score
There are many advantages to having a good credit score. Qualifying for lower interest rates, ability to get approved for loans and lines of credit, and paying less on loans for items such as homes...
View ArticleRebuild Credit With a Wells Fargo Secured Credit Card
The Wells Fargo Secured Card has a few restrictions on eligibility. If you have declared bankruptcy within the past 12 months or have any unsettled liens, you won’t qualify. Interestingly, you only...
View ArticleRebuild Credit With a U.S. Bank Secured Visa Credit Card
The U.S. Bank Secured Visa Card, which is from a large bank, usually have the best credit card terms. Your security deposit can range from $300 to $5,000 and you earn interest on it, which is...
View ArticleFix Your Credit Report After a Divorce
When a couple is married, they often hold joint accounts, such as savings, credit cards and mortgages. This links their credit scores together. If you’ve just gone through a divorce, your credit may...
View ArticleFiling Bankruptcy Requires a Credit Counseling Certificate
One of the pre-filing requirements involves obtaining a certificate of successful completion of credit counseling with a government approved counseling agency. The counseling can take place up to six...
View ArticleGet Your FICO Score for Free
So, what is a FICO Score? It’s a number that is formulated based on your credit history helping lenders evaluate your credit risk. Your FICO Score is used to determine credit offers and interest rates...
View ArticleEliminate Debt Without Bankruptcy Protection
If your in debt, you must devise some plan to get out of the red. You can declare bankruptcy (Chapter 13 or Chapter 7), but that will tarnish your credit and financial records. An alternative is the...
View Article20 Quick Tips to Improve Your Credit Score
There are many misconceptions about credit scores out there. Every time you apply for credit, apply for a job that requires you to handle money, or even apply for some apartment living, your credit...
View Article5 Costly Credit Card Mistakes
Let’s face it, there are certain situations in which you need a credit card. For example, at many places it is impossible to rent a car without a credit card. Booking a hotel, renting a car or buying...
View ArticleBest Credit Cards After Filing Bankruptcy
It may sound like the stupidest financial move ever: getting credit cards after bankruptcy. But done right, it may be one of the smartest moves you can make for your credit. The main purpose for...
View ArticleHow to Settle Medical Bill Debts
In the past several years, medical debt has become more burdensome for many families. So much so that medical bills have become a major cause of personal bankruptcy. It’s not that people have no...
View Article5 Ways to Boost Your Credit Score
Fixing your credit score can be very stressful at times and it feels like it’s never ending where the bills keep piling in and it seems like you’re making no progress. While most people tend to just...
View ArticleSample Credit Letter for Inaccurately Reported Items After Investigation Request
It’s very common for credit reports to contain errors. Anything from inaccurate late payments to accounts that aren’t yours or maybe even a falsely reported bankruptcy could mistakenly end up on your...
View ArticleSample Credit Repair Letter for Items in Credit Reports Belonging to a Former...
One of the major casualties of divorce is the damage incurred to both party’s credit. Not only do you incur the expense of divorce proceedings and attorneys, but divorce can send you spiraling into...
View ArticleHow to Fight a Debt Lawsuit
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...
View ArticleDebt Settlement Sample Letter
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...
View ArticleThe Difference Between Chapter 7 Bankruptcy and Chapter 13 Bankruptcy
There are two main types of bankruptcy for individual consumers. You may qualify for both of them or you may be limited to the type of bankruptcy that does not discharge your debt. Explore both...
View ArticleHome Mortgage Loan Lenders for People With Low Credit Scores
Home mortgage loans for people with poor credit are available at reasonable rates if you find the right lender. With some time spent online researching for low credit score lenders, you can base your...
View ArticleOpening a Credit Card at a Department Store Will Lower Your Credit Score
While on a shopping spree, you open credit-card accounts at several of your favorite department stores to snap up discounts of 10% or 15%. You’re saving a bundle, but you may be chipping away at your...
View ArticleImprove Your Credit Fast After Bankruptcy
Bankruptcy is by no means game over for your financial life — there are steps you can take to begin rebuilding your credit and eventually, your overall financial health. The road back to financial...
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