Understanding Your Credit Utilization Ratio
Have you ever heard the phrase, too much of a good thing , when something went wrong? Well, this adage definitely applies to your use of credit cards. Specifically, spending
What is the Credit Card Accountability Responsibility and Disclosure Act of 2009?
The Credit Card Accountability Responsibility and Disclosure Act of 2009 (otherwise known as the CARD act) was enacted by Congress to protect consumers from unfair lending practices, but some say the
How To Remove Credit Inquiries From Your Credit Report
The Basics Hard credit inquiries will automatically be removed from your credit report after two years. If you don’t want to wait that long, you can take the following steps
AFNI Inc. How to Avoid Unfair Debt Collection Practices
AFNI Inc. is one of the most well-known debt collection agencies in the United States and their debt collection practices have been anything but ethical in the past. If you’ve
The Fair Credit Reporting Act: Know Your Rights
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
