If the last two years have shown consumers anything, is that it’s wiser to hold onto those credit cards than to let them gather dust, or else you’ll find yourself with lowered credit lines or closed accounts. Neither is very good to your credit score. As credit card...

Credit issues are like rats – they’re freak us out, they grow in number till they overwhelm us, and we’d just rather leave the hairy problem to a professional. Similarly, I totally understand if one wants to use a credit repair specialist – I mean, who wants to spend...

Every woman, whether married or single, should have credit in her own name. Should anything ever happen to her spouse and the family credit is in the husband’s name, she may not be able to then establish credit for her self. This is especially true if she is a...

The Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information in the files of every “consumer reporting agency” (CRA). Most CRAs are credit bureaus that gather and sell information about you – such as where you work and...

These credit score tricks can help you boost your score to get the money you need at a rate you can afford Most people only think about their credit score when they need a loan. Your credit score and what’s on your credit report are big factors in whether you get...

Avoid the most common credit mistakes to boost your credit score and get better rates Bad credit means more than just higher interest rates. Most people don’t fully understand how their credit report can affect their life. Those minor little credit mistakes can close...

For the vast majority of consumers, credit scores and how they’re calculated remain a complete mystery. Without a thorough understanding of credit scores work it would appear that your score is a results for credit card trickery. Whilst a few of us do manage to...