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7 Deadly Mistakes That Will Kill Your Credit Score

Your credit score can get damaged pretty badly by things you do to improve it! As a long time credit counselor I have seen hundreds of people destroy their credit score while trying to fix it just because they didn’t know the game. Click on the “Read More” link to see these 7 [...]


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 a written [...]


Can’t Access Your Free Credit Report At AnnualCreditReport.com?

If you’re having trouble pulling your free credit reports up online at AnnualCreditReport.com, 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 months.
The [...]


Bankruptcy and Your Credit Scores

One of the things that many uninformed people like to share with their friends who may be considering bankruptcy is how bad of a drop your credit score is going to suffer.  Now, it all depends on your situation before the bankruptcy, but there are ways to get your credit score back up quickly.
The absolute [...]