Category Archives: Building Credit

Having Your Account Charged Off

If your credit company begins to believe that you won’t ever pay your credit card bills, they may charge off on your account. This will typically happen if your account is delinquent by six months or more. Essentially, a charge … Continue reading

Posted in Building Credit, Co-signing, Credit Management, Credit Repair, Credit Repair Mistakes, Credit Repair Professional, Credit Repair Services, Uncategorized | Tagged , , , , , , | Leave a comment

Bankruptcy filing and credit repair takes time away from work and family

Leading up to your bankruptcy filing, you may have to spend a significant amount of time on the phone negotiating payments and explaining late payments to creditors. You also will probably spend a lot of time going through mail, responding … Continue reading

Posted in Bankruptcy, Building Credit, Co-signing, Collection Accounts, Understanding Your FICO Score | Tagged , , , , , , , , , , | Leave a comment

Closing a Card With Available Credit

If you have multiple credit cards, it generally isn’t a great idea to close out a card that has available credit. This is because your overall level of available credit will go down, causing your credit utilization to go up. … Continue reading

Posted in Bankruptcy, Budget, Building Credit, Co-signing, Credit Repair Services, Credit Repair Software, Credit Score, Debt Negotiation, Debt Validation, Divorce and Credit | Tagged , , , , , , , , , , | Leave a comment

Boost Your Credit Scores With Credit Repair

Credit Repair for Everyone Everyone wants their credit score to be as high as possible. Not everyone is a candidate for credit repair, but most people can utilize these score raising techniques to one degree or another. For some it … Continue reading

Posted in Bad Credit or No Credit, Budget, Building Credit, Co-signing, Credit Score, Debt Negotiation, Debt Validation, Improving Credit, Inquiries, Your Rights | Tagged , , , , , , , , , , , | Leave a comment

Closing Your Oldest Credit Cards

15% of your credit score consists of your credit history. The longer your credit history, the better your credit score will be. Unfortunately, when you close out a credit card, it will no longer have an effect on your overall … Continue reading

Posted in Applying for a Credit Card, Bad Credit or No Credit, Bankruptcy, Budget, Building Credit, Credit Inquiries, Credit Management, Credit Repair, Credit Repair Mistakes, Credit Repair Professional, Credit Repair Services, Credit Repair Software | Tagged , , , , , , , , , , | Leave a comment