Credit report errors happen all the time, in fact, errors are so common that over two-thirds of consumers found mistakes on their reports even after an investigation. This means that at some point many of us will find ourselves having to file a credit dispute to have them rectified. However, it may come as a…
Getting a divorce is fraught with complications, especially if your ex has bad credit. You think you have moved on, but there is a chance that you could be rejected for a new credit card or a car loan, completely unexpectedly. That’s why it is important to keep track of all 3 of your credit…
Once upon a time, you were being an amazing friend, parent, spouse, or whatever the case may be and you cosigned a loan to help them out. It was a nice thing to do at the time. However now, you are estranged, or the person you co-signed for isn’t making the payments and you don’t…
Updated 03/09/2017 Congratulations are in order if this is the first time that you have owned a credit card! Having a credit card makes life a whole lot easier and buying things more convenient. I personally, rarely carry more than $20 in cash on me. I pay for pretty much everything with…
There are two main types of inquiries, which can appear on your credit report. These two types are known as hard inquiries and soft inquiries. Even though both these types of inquiries are in a position to enable a third party to take a look at your credit report, the hard inquiries are the only…
If you can’t qualify for a standard credit card due to your bad credit status, a secured credit card is your best option. This type of credit card gives people with a credit history problem the opportunity to work on improving their credit status by applying for a new account.
A smart consumer knows he should seize every opportunity that comes knocking at his door – as long as it allows him to save more. Car refinancing is appealing to those who originally got a car loan when their credit score was less than perfect! Now that they have worked hard on improving their credit,…
Of course not many people visualize their death. However, if you have a credit card debt, or you are thinking of applying for a new card, it is wise to think about what will happen to that debt when you are no longer alive. In some cases, the debt can follow to your grave, or…
Credit card debt is the #1 reason people file for bankruptcy. It can be devastating when you are stuck with a hefty credit card debt. It is even worse if the interest rates you are paying monthly are exorbitant. Your monthly payments can leave you feeling overwhelmed. Because you still have to pay off your…
Thieves never run out of tricks to collect credit card information so they can open fraudulent account in other people’s name. One of these tactics is to convince the credit card holder to give up his or her credit card and/or other personal information through credit card telephone scams. Crooks don’t just ring your phone…