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

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

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

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 ...
How Rapid Rescoring Can Boost Your Credit Score by 100 Points

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 ...
How to Remove My Kohls Late Charge From Your Credit Report

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 ...
How to Get Your First Credit Card

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 ...
Why I Am Starting A Credit Blog

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 ...
My First Mistake: I Put Off Getting Started

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 ...
Can Business Card Cards Hurt Your Personal Credit Score?

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 ...
How Reopening a Credit Card Can Improve Your Credit

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 ...
How to Remove Capital One Collections From Your Credit Report

How to Remove Capital One Collections From Your Credit Report

In order to remove a Capital One collections on your credit report you first need to know who currently owns the debt. In other words, has Capital One sold the ...
Disputing Credit Report Inaccuracies

Disputing Credit Report Inaccuracies

The fastest and easiest way to increase your credit score is to dispute any negative items on your credit report that are incorrect or not yours. If you ...
Negotiating With Creditors To Get Negative Records Deleted

Negotiating With Creditors To Get Negative Records Deleted

Negotiating for a creditor to completely remove a negative record on your credit report will usually increase your credit score more than if you pay the ...
Ripped Off By Debt Collector On A Charge Off

Ripped Off By Debt Collector On A Charge Off

Question Last summer I made an arrangement with a debt collector over the phone. This arrangement was for a XXXX-XXXXX account that was in charge off status ...
Orchard Bank Credit Cards Are Not A Scam

Orchard Bank Credit Cards Are Not A Scam

I have had about a dozen people ask me if Orchard Bank credit cards are a scam. If you aren’t familiar with Orchard Bank credit cards, they are designed ...
Average Credit Score and Credit Score Range

Average Credit Score and Credit Score Range

Ryan Greeley Credit Score The average credit score in the U.S. is 680This average varies by state with South Dakota having the highest average (710) and Texas ...
My Fourth Mistake: I Closed Credit Card Accounts

My Fourth Mistake: I Closed Credit Card Accounts

When starting your credit repair journey you may tempted to close credit card accounts, especially if the credit card has negative entries on it such as a late ...
10 Surefire Tips for Fixing Bad Credit

10 Surefire Tips for Fixing Bad Credit

Ryan Greeley Repair Credit During the past week I have written an array of articles that outline the mistakes I made when I first began the process of fixing ...
How to Pay Off Bills and Debt

How to Pay Off Bills and Debt

If you have read my previous articles, you might be saying to yourself, “Ok Ashley, you are giving me all this advice on how to fix my credit score and ...
Secured Credit Cards and Credit Repair

Secured Credit Cards and Credit Repair

Often I am asked whether I recommend a secured credit card over a high interest rate credit card for people in the process of fixing their bad credit. The ...
Negotiation Letters Will NOT Work On Student Loans

Negotiation Letters Will NOT Work On Student Loans

Ryan Greeley Student Loans Student loan creditors such as Nelnet are required by law to report accurate information to credit agencies. This makes dealing with ...
Credit Report Not Updated After Negotiation

Credit Report Not Updated After Negotiation

Question I mailed your negotiation letter a couple of weeks ago through certified mail. I got the green slip on Monday, but my credit report hasn’t been ...
How Credit Inquiries Can Affect Your Credit Score

How Credit Inquiries Can Affect Your Credit Score

Ryan Greeley Credit Score In the following article I will explain how credit report inquiries can lower your credit score. Depending on the type of inquiry, ...
My Fifth Mistake: I started applying for credit too quickly

My Fifth Mistake: I started applying for credit too quickly

Many people are under the impression that once they fix (or remove) all of the bad records from their credit report (such as charge offs and late payments), ...
Utilization: Maintaining The Right Credit Balance to Limit Ratio

Utilization: Maintaining The Right Credit Balance to Limit Ratio

Ryan Greeley Repair Credit One of the first steps I recommend when repairing credit is to pay down any credit accounts where the balance is more than 25% of ...
Why It’s So Difficult to Find Honest Credit Help

Why It’s So Difficult to Find Honest Credit Help

Finding credit help (particularly online) is difficult. As you may recall I expressed my frustration with the lack of honest, responsible resources available ...
How College Students Are Taught Personal Finance by Credit Card Companies

How College Students Are Taught Personal Finance by Credit Card Companies

If you have attending college in the past 10 years, it’s likely you keenly remember receiving about 20 pre-approval credit card offers your first semester. And ...
3 Steps to Remove Collections From Your Credit Report

3 Steps to Remove Collections From Your Credit Report

In my experience it is possible to remove collections from your credit report. A collection entry on your credit report, including medical collections, can ...
Remove Collection Account Without Hurting Your Credit Score

Remove Collection Account Without Hurting Your Credit Score

Question My Girlfriend just got a letter from a collection agency, with an account number and the amount of $150 dollars that is owed. She never recieved any ...
Guest Article: Discipline In Dealing With Credit Card Debt

Guest Article: Discipline In Dealing With Credit Card Debt

Ryan Greeley Credit Cards Debbie Dragon is a freelance writer for Creditorweb.com, where she writes about credit cards, rewards programs and general personal ...
6 Most Common Credit Myths

6 Most Common Credit Myths

One of the first things I quickly discovered when I began the process of fixing my credit was that many of things I had heard about credit were completely ...
3 Ways to Get Late Payments Removed From Your Credit Report

3 Ways to Get Late Payments Removed From Your Credit Report

Late payments can be a big deal, they count significantly toward your credit score calculation, and can stay on your credit report for seven years unless you ...
The Quick and Dirty on Authorized Credit Card Users

The Quick and Dirty on Authorized Credit Card Users

Ryan Greeley Credit Cards I have been receiving a lot of emails from folks asking how authorizing another person (usually a friend or relative) on their ...
Removing Late Payments From Credit Report

Removing Late Payments From Credit Report

Ryan Greeley Credit Report Question I have 2 paid off installment accounts that have past due in late 2007. should i try to remove those 2 and how do i go ...
Deal with original creditor or collection agency?

Deal with original creditor or collection agency?

Question I’ve have charge offs on my credit report that are about 3 years old, would it be better to try and fix them with he original creditor or the ...
Negotiate Full Debt Amount or Settlement?

Negotiate Full Debt Amount or Settlement?

Ryan Greeley Debt Settlement Question I have an unpaid account in collections. But the original creditor is also on my credit report. Which one should I ...
Do I still have to pay if the account is not on my credit report?

Do I still have to pay if the account is not on my credit report?

Ryan Greeley Credit Report Reader’s Question Dear Ashley –I wanted to know. I have a big account on my credit report of about 17,000 dollars. It’s from a car I ...
How Long for a Goodwill Response?

How Long for a Goodwill Response?

Question I sent 3 of my creditors goodwill letters about 2 months ago. How long does it take for a response? And if nothing happens, what should be my next ...
Ins and Outs of Debt Settlement Companies

Ins and Outs of Debt Settlement Companies

Ryan Greeley Debt Settlement Question Do you have any advice on debt settlement companies? I am involved with one now and I am not sure I made the right ...
When Are Creditors Willing To Settle?

When Are Creditors Willing To Settle?

Ryan Greeley Debt Settlement Question I have several credit cards in varying stages of delinquency. How far behind does one typically have to  fall, before a ...
Can I Deal with Original Creditor After a Charge Off?

Can I Deal with Original Creditor After a Charge Off?

Question I had an account with Citi that went to collections after a charge off, can I bypass the collection agency and call Citi directly?Response Yes, in ...
Do I have to pay credit cards that are not in my name?

Do I have to pay credit cards that are not in my name?

Ryan Greeley Credit Cards QuestionI recently had about 4 accounts removed from my report because they were opened by someone else when I was underage. I have ...
When to challenge an error on your credit report?

When to challenge an error on your credit report?

Ryan Greeley Credit Report Reader’s QuestionMy fiance and I are planning to buy a house within the next few months. We recently submitted a preapproval ...
Should I Use A Credit Repair Company To Clean My Credit Report?

Should I Use A Credit Repair Company To Clean My Credit Report?

You basically have two options when it comes to cleaning your credit report. First, you have the option of repairing your credit by yourself. This is a good ...
When Does The 7 Year Removal Countdown Start On Negative Entries?

When Does The 7 Year Removal Countdown Start On Negative Entries?

Ryan Greeley Credit Report Reader’s Question Hello,I have some negative items that will soon be at their seven year limit and will (hopefully) be removed from ...
Signed Up For A Credit Card To Get A Free Sandwich

Signed Up For A Credit Card To Get A Free Sandwich

Ryan Greeley Credit Cards Question Hi. So my situation is I’ve just checked my credit report for the first time about a few months ago and I have two credit ...
Removing Duplicates From Credit Report

Removing Duplicates From Credit Report

Ryan Greeley Credit Report Reader’s Question Hello,I have been trying to find out if I can remove one of two duplicate accounts on my credit report. ...
Cleaning Up Credit After Identity Stolen By Parent

Cleaning Up Credit After Identity Stolen By Parent

Ryan Greeley Credit Report Reader’s Question Hello,My mother used my name without my permission when i turned age 18. I found out about it when i turned 20. ...
Removing An Account After A Divorce and Signed Divorce Decree

Removing An Account After A Divorce and Signed Divorce Decree

Question What is the best letter I can send to the credit card company to request my name to be removed from an account to where I am the Main cardholder, but ...
Writing a Bankruptcy Explanation Letter

Writing a Bankruptcy Explanation Letter

Reader’s Question I am trying to pre-qualify for a home mortgage loan. I filed a chapter 7 bankruptcy back in 2001. The underwriter wants a letter to explain ...
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