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Is it possible to repair your credit score through professional debt help firms?

This is a guest post: If you’re in the market to take out a new line of credit, you must be aware of the extreme importance of your credit score. Your credit score is nothing but a three-digit number that is there in your credit report. With a good score, it is more likely that […]

Let’s Talk About Easy Payday Loans

I would like to discuss Payday Loans today.  If you’re like most people, you’ve been in a situation where you’ve thought about getting one of these, but are unsure of whether you should or not.  I’m going to tell you right now, I do not like Payday Loans at all. Here’s some background; My wife […]

What Is A Utilization Ratio And What Should It Be?

A Utilization Ratio is the ratio that is found by comparing your entire credit card balances with your entire credit limits.  If that doesn’t make sense yet, keep reading.  Imagine that all of your credit cards combined have a credit limit of $30,000.  If you use your cards and add the balance of each one […]

Credit Repair Service Precautions

Here’s a little helpful info from our friends at the ftc regarding signing up for a Credit Repair Service: The Credit Repair Organizations Act By law, credit repair organizations must give you a copy of the “Consumer Credit File Rights Under State and Federal Law” before you sign a contract. They also must give you […]

Can’t Access Your Free Credit Report At

If you’re having trouble pulling your free credit reports up online at, the FTC has provided some additional methods to access them. Each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report, at your request, once every 12 […]