First, find out exactly what you're dealing with. You can't fix what you don't know about, so you need to get your credit reports (here's how to get them for free) and do a thorough read of them, looking for any accounts that are not in good standing or have missed payments. ...
In this article, we will guide you through the process of getting a charge off removed from your credit report. We will outline the steps you need to take, from reviewing your credit report to negotiating with creditors. Understanding and navigating this process may seem overwhelming at first, ...
If you think the error is on the part of the debt collector, not the credit bureau, ask the collector to validate the debt to make sure it’s yours. A debt validation letter should include information like the amount owed and the creditor that is seeking payment, among other things. No...
This includes two different things: New inquiries New credit accounts First, soft inquiries don’t affect your credit. However,hard inquiries– such as when a car dealership or bank runs your credit for a loan– do impact your credit and stay on your credit report for up to 2 years. ...
It’s always a good thing to stay proactive and invest in important things like health insurance. However, health insurance doesn’t cover the entirety of medical costs. In a health insurance plan, the consumer and the insurance provider split the costs up to a certain point, after which ...
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Checking your credit report may not be at the top of your list of things to do — and you certainly don’t need to check it weekly (even though you can) — but it’s something Clark says you absolutely should do from time to time. Using any of the methods above, the process is ...
We no longer want to lend money to the average Joe or Jane becausethe average Joe or Jane screwed us BIG TIME. Anybody who went through a short-sale or a foreclosure are permanently on our blacklist. We won't tell them this out of courtesy, but that's just the way things are no...
Need a personal loan or line of credit for consolidating debt or covering a large expenses? These tips can help you increase your chances of getting approved.
Credit card companies also want to know what kind of business you're running. You'll have a list of industries to choose from. Just select the one that fits best, even if it isn't quite the exact label. Related: Successful People Do These 23 Things Daily Your role in the business ...