credit repair experts

Discover why credit matters beyond loan applications. Explore the role of credit in your overall financial well-being.

Clearing the Confusion: The Impact of Prepaid Credit Cards on Credit Scores Do you find yourself confused about how the many different types of plastic in your wallet might be impacting your credit scores? If so, you are most certainly not alone. While the different plastic cards you carry around with you may all look […]

Can bad credit cost you your job? Studies have shown that consumers with credit problems statistically make riskier and/or less responsible employees.

Discover how credit bureaus handle disputes on our website. Learn about the 30-day investigation process and your rights as a consumer.

The Pros and Cons: Retail Store Cards and Your Credit Score If you are researching the topic of how to build better credit you will probably receive a lot of conflicting advice. Your loved one or family member might recommend that you should avoid credit cards and retail store credit cards all together. (Pro tip: […]

What Do People with High Credit Scores Have In Common? There is no question that life can be a lot easier when you have high credit scores. After all, high credit scores can help you to land some pretty amazing perks like easier loan approvals, higher credit limits, lower interest rates, the ability to save […]

Has a loved one ever asked you to do a big favor? If you are like a lot of people then you probably want to do anything within your power to help out the people who are important to you. Co-signing, however, is much more than just a simple favor. Instead co-signing is a ticking time bomb just waiting to destroy your credit scores and to cause you potentially serious financial problems.

Your credit reports maintain a far-reaching influence over many different aspects of your life. The condition of your credit may help determine where you live, how much you pay for housing, your ability to qualify for an auto loan, your insurance premiums, and even your career. Law makers understand the significance of your credit too. As a result the Fair Credit Reporting Act (FCRA) was crafted to help protect you from unfair credit reporting practices.

It is that time of year again, the time of year when a pile of tax related documents begin to show up in your mailbox. You may receive a W-2 form from your employer, charitable contribution statements to use for tax write-offs, and even mortgage interest statements if you are a home owner. However, there is another far less desirable tax form which will be finding its way into millions of people’s mailboxes this year as well – the 1099-C.

Credit cards, as we have already covered in parts 1-4 of our Credit Cards 101 series, are extremely powerful tools which you can put to work for you on your journey toward better credit. Yet not only do credit cards have great credit building potential (assuming you manage the accounts properly), but they also feature some other great benefits as well. For example, you may not realize it but your credit cards represent the safest and most secure form of payment you carry in your wallet.