Category:
Credit Counseling
Anything negative that shows up on your credit report — missed payments, big balances, debts turned over to collection agencies, bankruptcies – is … well, undesirable. It can undo the…
Bad credit has a huge negative impact on so many parts of your financial life. The impact isn’t just on what rates you pay on credit cards and loans, or…
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…
Sources:
- McCauley, M., and Telemaque, T. (2024, April 30) Almost half of participants in Credit Checkup study find errors on credit reports; more than a quarter find serious mistakes. Retrieved from https://advocacy.consumerreports.org/press_release/almost-half-of-participants-in-credit-checkup-study-find-errors-on-credit-reports-more-than-a-quarter-find-serious-mistakes/
- N.A. (2025, September 5) Is it possible to remove accurate but negative information from my credit report? Retrieved from https://www.consumerfinance.gov/ask-cfpb/is-it-possible-to-remove-accurate-negative-information-from-my-credit-report-en-1249/
- N.A. (2025, January 13) Everything you need to know about credit repair scams. Retrieved from https://www.usbank.com/financialiq/manage-your-household/establish-credit/How-spot-credit-repair-scam.html
- N.A. (2021, May) Disputing Errors on Your Credit Reports. Retrieved from https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports
- N.A. (2023, November) Fixing Your Credit FAQs. Retrieved from https://consumer.ftc.gov/articles/fixing-your-credit-faqs
- N.A. (ND) A Summary of Your Rights Under the Fair Credit Reporting Act. Retrieved from https://www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0096-fair-credit-reporting-act.pdf
- N.A. (2024, December 12) How do I dispute an error on my credit report? Retrieved from https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
- N.A. (ND) Chapter 7 & 13: How Long Does Negative Info Stay on Credit Report? Retrieved from https://www.myfico.com/credit-education/faq/negative-reasons/how-long-negative-information-remain-on-credit-report
- N.A. (2024, November) Understanding Your Credit. Retrieved from https://consumer.ftc.gov/articles/understanding-your-credit