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Even if your credit is frozen, you still need to check your credit report regularly to pro...
When you settle an account, the creditor will update the account on your credit report to ...
Disputing inaccurate credit report data has no direct effect on credit scores, but if a di...
If you're thinking of closing one of your credit cards because you don't use it anymore, t...
Understanding what affects low credit limits can help you take steps to qualify for more b...
Learn what credit monitoring can—and can’t—do for you. Read why it’s important to monitor ...
Soft inquiries are a type of credit pull that doesn't have an impact on your credit scores...
Address a late payment mishap by filing disputes with the creditor that supplied the infor...
Credit repair companies can’t remove accurate late payments from your credit report. Here’...
Include your name, address, date of birth, SSN and details on the account in question, and...
Working out a payment plan with the lender, refinancing, doing a private sale or voluntari...
A missed payment can have lasting consequences to your credit. Take steps to minimize the ...
If you're thinking of filing for bankruptcy, know that you have options. To avoid the last...
Generally, it costs $1,500 to $6,000 to hire a bankruptcy attorney, although the amount yo...
The Fair Credit Reporting Act (FCRA) is a federal law that helps to ensure the accuracy, f...
To recover from bankruptcy, create a budget, build an emergency fund and take steps to imp...
A collection agency may attempt to collect past due debts on behalf of a creditor. Know yo...
To pay off debt in collections, confirm the debt belongs to you, decide what you can affor...
Learn how long repossession stays on your credit report, how it affects your credit score ...
A credit privacy number (CPN) is a nine-digit number scammers market as a replacement for ...
There are many ways to bring a past-due account current, including contacting creditors, s...
For a borrower in default on their mortgage, pre-foreclosure marks the last chance they ha...
Hard inquiries can only be removed from your credit report if they're the result of identi...
A bankruptcy discharge is a federal court order that can release you from certain debts af...
Having a foreclosure attorney in your corner can provide peace of mind and give you the be...
Focusing on foreclosed homes might get you a great property at a lower-than-average price....
While charge-offs are challenging to remove, understanding your options can help you take ...
Here’s how to know if you’re being scammed by a credit repair company and what you can do ...
Collection agencies may pursue debts after they've fallen off your credit report, but your...
You have the right to dispute most credit card charges within 60 days. But there's no dead...
Late payments stay on your credit reports for up to seven years, but their impact on your ...
Negative information doesn’t stay on your credit report forever, and you can start taking ...
Your credit score may drop temporarily when you request a higher credit limit, but the lon...
It takes a few months for credit reports to reflect a paid-off collection account. The acc...
Checking your credit reports regularly can help you build and maintain good credit scores ...
Lenders, banks, employers, landlords and other entities with a legitimate reason can see y...
Revolving credit accounts such as credit cards and HELOCs let you borrow up to your credit...
Paying a closed or charged-off account usually won't improve your credit score immediately...
Incorrect personal information may be a sign of fraud or a simple mistake. In either case,...
An address you've never lived at is listed on your credit report. Can you dispute it? Find...
Here’s what you need to know about how internet service providers use your credit and what...
A lien is a legal claim placed on your property to settle a debt or enforce a judgment. Le...
Lenders and other data reporters typically update credit information with the national cre...
If you’d like to stop getting credit offers that are preapproved based on your credit repo...
U.S. law requires many entities to get written consent before checking your credit, but al...
A 30-day late payment may be reported to credit bureaus, appear on your credit report and ...
Foreclosure is the seizure of your home for failure to repay your mortgage. It can upend y...
A deed in lieu of foreclosure lets a borrower who cannot pay their mortgage forfeit their ...
If a foreclosure is looming, don't ignore phone calls, emails and letters from your mortga...
A debt in collections stays on your credit reports for seven years. It can hurt credit sco...
A “609 letter,” often mischaracterized as a way to erase negative credit report entries, i...
If you've missed multiple payments on your loans, credit cards, medical debt, utility bill...
If a lender cannot collect a debt you owe, a negative entry called a charge-off appears on...
Bust these persistent myths around personal credit, which can cost you money and confound ...
By Karen Axelton
