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Credit Counseling
Millions of Americans must deal with wrong information on their credit reports every year. Many of them hire someone to deal with it. That can be a colossal waste of…
Credit repair companies do work, but that may not be the full answer you need. In fact, the real question is whether you need a credit repair company at all?…
As a credit expert and a former NFCC-certified credit counselor, I know firsthand that many people are confused about what goes into their credit scores. So, I want to break…
What Is Credit Counseling? Credit counseling is a free service that provides help with budgeting, solutions for becoming debt-free, and tips for managing your money successfully. Credit counseling is offered…
When faced with overwhelming debt, many people think bankruptcy is their only way out, but there’s another option you may not have heard about. Debt management is a debt relief…
When faced with overwhelming debt, many people think bankruptcy is their only way out, but there’s another option you may not have heard about. Debt management is a debt relief…
“Credit repair” probably sounds like it should be something helpful, right? After all, what could be wrong with wanting to repair your credit? But when it comes to financial services…
Getting married will not affect your credit score. When you say, “I do!” in exchanging wedding vows, you don’t mean exchanging credit scores. “When you get married, you have two…
Dealing with credit card debt has always been tough, but getting out of debt is harder now than it’s ever been. That’s because the average interest rates on credit cards…
Things change after college. Your new boss won’t be as lenient as your old professor. Instead of a GPA your new obsession becomes your credit score. Rent may double or…
Sources:
- Gill, L. (2024, April 30). More Than a Quarter of People Find Serious Mistakes in Their Credit Reports, Study Shows. Retrieved from: https://www.consumerreports.org/money/credit-scores-reports/serious-mistakes-found-in-credit-reports-a1061511185/
- N.A. (2013, February 11). In FTC Study, Five Percent of Consumers Had Errors on Their Credit Reports That Could Result in Less Favorable Terms for Loans. Retrieved from: https://www.ftc.gov/news-events/news/press-releases/2013/02/ftc-study-five-percent-consumers-had-errors-their-credit-reports-could-result-less-favorable-terms
- N.A. (2025, June 26). FTC Sends More Than $3.5 Million to Consumers Harmed by ‘The Credit Game’ Credit-Repair Scheme. Retrieved from: https://www.ftc.gov/news-events/news/press-releases/2025/06/ftc-sends-more-35-million-consumers-harmed-credit-game-credit-repair-scheme
- Jackson, A. (2025, January 7). CFPB returns nearly $2 billion to victims of credit repair ripoff. Retrieved from: https://ourfinancialsecurity.org/news/blog-cfpb-returns-nearly-2-billion-to-victims-of-credit-repair-ripoff/
- N.A. (2023, November 7). How can I tell a credit repair scam from a reputable credit counselor? Retrieved from: https://www.consumerfinance.gov/ask-cfpb/how-can-i-tell-a-credit-repair-scam-from-a-reputable-credit-counselor-en-1343/