Help! I Don’t Recognize This Student Loan on My Credit Report

Credit 101

Help! I Don’t Recognize This Student Loan on My Credit Report

Help! I Don’t Recognize This Student Loan on My Credit Report

So you finally pulled a copy of your credit report, and right off the bat you noticed something’s not right. You don’t recognize one of the creditor’s names, and they say you have significant student loan debt. What should you do? First of all, don’t panic. There’s a chance it’s all a mistake, so you’ll need to approach this strategically. Here’s... Read More

Can Your Credit History Just Disappear?

Credit Score

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

7 Credit Myths That Just Won’t Die

Credit Score

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?

Credit Score

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

What Can You Dispute on a Credit Report?

Credit 101

What Can You Dispute on a Credit Report?

What Can You Dispute on a Credit Report?

One in five Americans have an error on their credit report, according to a Federal Trade Commission study from 2012, so it’s not unlikely you’ll discover one yourself at some point. These errors can range in severity, from misspelled names to fraudulent accounts that can damage your credit score. No matter what the problems are, don’t fret... Read More

A Crash Course to Moving On From Bad Credit

Credit Score

A Crash Course to Moving On From Bad Credit

A Crash Course to Moving On From Bad Credit

So, you’ve decided to get serious, fix your credit issues and build healthier credit. Way to go! Often, the first question I’m asked by folks working to improve their credit is, “How long will it take for my credit score to improve so I can … buy a home, pay for my wedding, afford college and... Read More

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