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Your history of debt payments, and whether you made them on time, late or missed them alto...
U.S. law requires many entities to get written consent before checking your credit, but al...
A 30-day late payment may be reported to credit bureaus, appear on your credit report and ...
A preapproval can help you gauge your odds of approval for a loan or credit card. However,...
To build credit as a new grad, check your credit report, review what goes into a good cred...
A deed in lieu of foreclosure lets a borrower who cannot pay their mortgage forfeit their ...
Here’s what you need to know about credit scores, including what causes low scores, the dr...
A debt in collections stays on your credit reports for seven years. It can hurt credit sco...
At an average price tag of $33,000, your big day could come with a big bill. But there are...
A “609 letter,” often mischaracterized as a way to erase negative credit report entries, i...
Your child may be ready for a credit card if they're responsible and good at following rul...
If a lender cannot collect a debt you owe, a negative entry called a charge-off appears on...
Your unique credit profile will impact which debts you should pay off first, but focusing ...
Bust these persistent myths around personal credit, which can cost you money and confound ...
Keep a regular eye on your credit and check it several months before submitting important ...
There are several reasons that there might be an inquiry from the IRS on your credit repor...
There's no limit on how often you can file bankruptcy but, depending on bankruptcy type, y...
You may not see an immediate score increase if you pay off a loan. Depending on your credi...
Hard inquiries can only be removed from your credit report if they're the result of identi...
Filing for bankruptcy might cost around $1,250 to over $6,000 when you hire an attorney. H...
The Fair Credit Reporting Act (FCRA) is a federal law that helps to ensure the accuracy, f...
If you’re thinking about applying for credit, here’s what you need to know about the diffe...
Authorized-user accounts are often reported to all three credit bureaus. Find out how they...
A debt payment that's one day overdue won't affect your credit scores, but it may incur a ...
Find out what credit scores are, how they work, what affects your scores and how to improv...
If you’ve missed a debt payment by seven days, here’s what you need to know about how it m...
No need for credit repair companies: You can repair your credit yourself for free by check...
You can stop your wages from being garnished by paying off the debt, challenging the garni...
If making a purchase increased your credit utilization and caused your credit score to dip...
To pay off debt in collections, confirm the debt belongs to you, decide what you can affor...
You can have different credit scores because there are different types of scores and your ...
Your credit file is deleted upon your death, but there can be a delay. Here’s how to prote...
Checking your credit reports regularly can help you spot potential issues, including inacc...
Monitoring your credit regularly is crucial for building and maintaining a good credit sco...
Find out when multiple hard inquiries from loan applications will, and won't, affect your ...
If you’re looking to build credit, here are some steps you can take to get started on your...
Delinquencies on your credit report can hurt your credit scores. Learn how to avoid delinq...
If you've missed multiple payments on your loans, credit cards, medical debt, utility bill...
Marriage doesn’t alter credit scores, and spouses’ credit scores remain separate, but debt...
Paying off a debt in full may be your fastest resolution option, but you may negotiate to ...
Find out how trends in your credit history might affect your credit scores and overall cre...
Employers may use credit checks to verify your identity, look for signs of reliability and...
Employers can check your credit if local laws allow for it, and only with your written con...
Hard inquiries might hurt your credit scores, but you can avoid having too many if you und...
If a loved one has died, here are the steps you can take to report that death to the natio...
If you’ve recently had a car repossessed, here are some steps you can take to start rebuil...
Getting denied by your mortgage lender doesn't necessarily mean you've reached the end of ...
When you legally change your name, you don't have to contact the credit bureaus in order t...
Your cellphone bill can help you build credit if you add it to your credit report. Learn h...
You can "fix" a bad credit score by paying bills on time, keeping credit card balances low...
Everything you want to know about your FICO Scores (aka credit scores).
You can raise your credit score by 200 points or more by developing good credit habits, li...
You can regularly check your credit report and look for this important information in each...
If you’re looking to take your credit score into 700 territory, here are some steps you ca...
By Jim Akin
