31
Aug
2023
Credit Card Basics: How to Use Credit Cards Responsibly
Here are some simple tips on how to use credit cards responsibly to make the most out of them while avoiding debt traps....
17
Aug
2023
What Is the Fair Credit Reporting Act and How Does It Protect Consumers?
This article explores the Fair Credit Reporting Act (FCRA) by discussing what it is, how it protects consumers, and more....
03
Aug
2023
How Buy Now, Pay Later Financing Affects Your Credit Score
Does using “buy now, pay later” financing options impact your credit score? This article explores buy now, pay later and its impact on your credit....
06
Jul
2023
Understanding Credit Restoration: Exploring the Differences in Freeze, Alert, and Lock
Having a solid credit record is essential for many aspects of our lives. It can determine if you can get approved for loans or lines of credit and even affect your ability to rent an apartment. Unfortunately, identity theft and fraud cases are rising, making it increasingly necessary to protect your...
25
May
2023
Mastering DIY Credit Repair: Filing a Successful Credit Dispute
The DIY credit repair process can be daunting and time-consuming, but it doesn’t have to be. Understanding the dispute process and what to expect is critical to ensuring your credit dispute goes smoothly. Credit disputes are an effective way to improve your credit score and ensure you have acc...
27
Apr
2023
Essential Steps Before Closing Credit Card for Credit Card Repair
Are you considering closing a credit card account? Make sure to review all the necessary steps and understand the potential impact on your financial health....
02
Feb
2023
Mastering the Art of Rebuild Credit: Insights into Using Rent Payments
If you have little to no credit history or trying to improve your score, can reporting your rent payments to the bureaus help you achieve your credit goals?...
15
Dec
2022
Understanding Voluntary Repossession’s Influence on Credit Fixing
Managing your finances and budgeting for success is a full-time job. It requires frequent monitoring of your credit score, watching accounts for money coming in and out, making changes to what you are spending and where, answering an abundance of phone calls, and – of course – making tough decis...
11
Jul
2022
Choosing Credit Cards to Rebuild Credit: Pay in Full or Keep a Balance?
Most people will attempt to improve their credit score in whatever way they can. However, many common credit tricks are a myth, further extending how long it takes consumers to improve their credit scores. One of the most common tricks is for consumers to use credit cards to rebuild credit by leavin...
05
May
2022
Credit Specialist Insights: Addressing No Credit vs. Bad Credit
Not everyone is a credit specialist, do you have no credit or bad credit, which one is worse than the other? Understanding how a lender views you as a borrower in both circumstances is essential to taking the proper steps to improve your creditworthiness regardless of your starting point. What does ...