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Calculate When A Negative Entry Will Be Removed From Your Credit Report

Ryan Greeley Credit Score Question I have two negative accounts on my credit report that have been sitting there for a few years. Other than those, my credit report has only accounts that are on time. I have recently started to try and really jump ...

Credit Card Companies Decrease Price Protection Benefits. How to Get Some Back

If you’ve ever bought something and then saw the price drop a month later, the feeling that you’ve been gipped a little bit is hard to shake. The $1,200 couch you bought is now $1,000, and maybe the retailer will give you a $200 refund. Maybe ...

5 Ways To Get the Upper Hand When Dealing With A Debt Collector

If you’re like most people, being on the opposite end of a collection call can be quite a defeating interaction. Collectors generally seem unforgiving and absolutely unwilling to hold a civil conversation. This all makes it very difficult to make ...

How Rapid Rescoring Can Boost Your Credit Score by 100 Points

Mortgage lenders check borrowers’ credit reports for a good and simple reason — to ensure they can afford a home loan. But sometimes credit problems are on the reports, which can lead to the loan being denied.Sometimes borrowers know about these ...

How to Remove My Kohls Late Charge From Your Credit Report

Unfortunately, it’s easy to forget to pay a store credit card such as your Kohl’s Credit Card. Many times we simply don’t use them very often and it slips our mind. The problem is that forgetting to pay your Kohl’s card can result in a huge drop in ...

How to Get Your First Credit Card

You probably won’t remember getting your first credit card as much as you do other firsts in life: Date, job, getting your driver’s license, buying a home, and others. But it could set the path for how some other life decisions play out.Your first ...

Why I Am Starting A Credit Blog

A couple of years ago I found myself 20 grand in debt –a mix of credit cards, random medical bills, and old college debt. I am starting this blog because when I decided to tackle the challenge of settling my debts and increasing my credit score I ...

My First Mistake: I Put Off Getting Started

I am tempted to say, “Well, you’re here reading this blog so you have begun the process of improving your credit score.” I’ll keep it in these deceptive quotes however –for two reasons. First, it’s too cliche. Second, it’s pretty much bullshit when ...

Can Business Card Cards Hurt Your Personal Credit Score?

A business credit card can be an invaluable tool for business owners. It can allow them to put expenses on credit that can be paid later when they’re paid by customers, making cash flow problems easier to manage.But if not used well, a business ...

How Reopening a Credit Card Can Improve Your Credit

Generally, open credit card accounts look better on your credit report than closed accounts because open accounts add to your credit history. It’s good for your credit score to have a long credit history. If you made the mistake of closing credit ...