Bad credit can leave you feeling stressed, embarrassed, and overwhelmed – three emotions which are not much fun to experience. In addition to making you feel horrible, bad credit can also be extremely expensive as well, causing you to be denied or to pay much more for even your basic needs of housing and transportation. […]

You are probably already very familiar with the concept that the condition of your credit is going to have a big impact the next time you need to apply for a mortgage, auto loan, or credit card. After all, it is no secret that bad credit makes it difficult to qualify for loans or financing. […]

The credit industry often uses terms and abbreviations which are not fully understood by consumers. To make matters worse, sometimes uninformed members of the news media or even some self-proclaimed “experts” will misuse credit terms and perpetuate credit myths, occurrences which only add to consumer confusion about the subject of credit. One of the biggest […]

It is no secret that unpaid debts can lead to a lot of problems – problems which have the ability to follow you around and make life miserable for many years. Yet although defaulted debts can haunt you for a long time in most cases these debts cannot haunt you forever. Consumer protection laws place […]

Is your goal to purchase a home or vehicle? Are you tired of bad credit holding you back from the financing you need? If so, then building upon the excitement of the New Year might just be the perfect opportunity for you to make the changes you need to improve your credit. Good credit does […]

In the spring of 2015 Equifax, TransUnion, and Experian (better known as the 3 major credit reporting agencies) agreed to a landmark settlement agreement. Though originally announced by the attorney general of the state of New York, Eric T. Schneiderman, and shortly thereafter announced by 30 other state attorneys general, the settlement actually applies to […]

The temptation to overspend during the holidays is very high. Yet overdoing it when it comes to holiday spending will almost certainly spell trouble for your finances and your credit. Naturally the best course of action when it comes to holiday spending is to set a firm budget ahead of time and stick with it, […]

Do you have a goal of purchasing a new home or refinancing your current mortgage this year? If so then it is more important than ever to pay close attention to your credit and to take steps toward improving it if necessary. You do not need perfect credit in order to qualify for a mortgage. […]

The Credit Repair Organizations Act, commonly referred to as CROA, is the federal law which governs any business which practices credit repair services. It is a law which exists to protect you as a consumer in a number of important ways. Keep reading below for a few highlights of the best protections you are afforded […]