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Can I Fix My Credit in 30 Days?

Can I Fix My Credit in 30 Days?

Can I Fix My Credit in 30 Days?

If you’ve got a less-than-stellar credit score and are looking to apply for a loan, chances are you’re going to want to fix those numbers fast. And you just might be able to do it — depending, of course, on what’s weighing your credit down. Dealing With Disputes Under the Fair Credit Reporting Act, once... Read More

Can Your Credit History Just Disappear?

Can Your Credit History Just Disappear?

Can Your Credit History Just Disappear?

What do expatriates, prison inmates and people who’ve never had a credit card or loan have in common? While this question sounds like a joke setup, it’s not. These people all are at risk of seeing their credit records vanish into thin air, along with their credit scores. Most negative credit information remains on your... Read More

4 Maneuvers That Can Protect Your Good Credit Score

4 Maneuvers That Can Protect Your Good Credit Score

4 Maneuvers That Can Protect Your Good Credit Score

Getting a good credit score is one thing; keeping a good credit score is another. One small slip-up, like a single missed payment or collections account, can easily kick you out of the credit elite. That’s why maintenance is key. You’ve worked hard to get over that 700 benchmark, so here are some steps you can... Read More

4 Reasons Your Credit Score Isn’t Improving

4 Reasons Your Credit Score Isn’t Improving

4 Reasons Your Credit Score Isn’t Improving

We hear it from readers constantly: I’m paying all my bills on time, so why isn’t my credit score going up? This feeling that you’re doing everything right and not getting rewarded for it is one of the most frustrating things about credit scores. And the simplest answer to that question is almost as frustrating:... Read More

7 Credit Myths That Just Won’t Die

7 Credit Myths That Just Won’t Die

7 Credit Myths That Just Won’t Die

There are so many myths and misunderstandings when it comes to credit reports and scores. Not understanding how they work could have a negative effect on your creditworthiness, which can cost you money in higher interest rates on loans. Here is a list of seven common misconceptions about credit scores and the real deal behind... Read More

Can I Sue My Bank for Ruining My Credit?

Can I Sue My Bank for Ruining My Credit?

Can I Sue My Bank for Ruining My Credit?

If your credit has been destroyed and you think your bank or credit card issuer is to blame, you may, in fact, have some legal recourse. But you’ve got some work to do leading up to your day in court. The Fair Credit Reporting Act (FCRA) requires financial institutions (and other data furnishers) to provide fair and... Read More

How to Maintain Good Credit While Serving in the Military

How to Maintain Good Credit While Serving in the Military

How to Maintain Good Credit While Serving in the Military

Budgeting during deployment or transfer to a new assignment might be on the mind of many military service members. What might not be are credit scores and how they could impact the costs for everything from a credit card’s annual percentage rate, or APR, to a new mortgage. Here are four tips for how to maintain good credit while serving... Read More

5 Ways New Grads Can Screw Up Their Credit

5 Ways New Grads Can Screw Up Their Credit

5 Ways New Grads Can Screw Up Their Credit

Graduation can be an exciting and exhilarating time, but if you thought the era of grades and scores was over, I have some bad news: It’s not. While the As and Bs are behind you, they’ve been replaced with another number … a tricky little three-digit number called your credit score. Your credit score is... Read More

The New FICO Score That Could Help Car Buyers

The New FICO Score That Could Help Car Buyers

The New FICO Score That Could Help Car Buyers

If you’re in the market for a new car, the latest credit score update from FICO could be good news. The new scoring model, called The FICO Auto Score 9 XT, is designed to help paint a better picture of consumer’s financial behavior by analyzing up to 30 months of “trended” credit card data provided by credit bureau... Read More

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