October 1, 2024
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September 28, 2024
Find easy credit cards to get approved for that can help improve your credit history with on-time monthly payments.
September 27, 2024
In reviewing CIT Bank, high-yield savings accounts are where it stands out. CIT Bank operates online with accounts available in all states.
September 26, 2024
NACA makes homeownership possible for people with credit problems. No downpayment is required plus you get an "A" credit loan interest rate.
September 26, 2024
Check out this guide to Improve credit scores with innovative credit-building products no matter your starting point.
September 26, 2024
Check out 10 Online Free Bank Accounts that offer full service banking.
September 25, 2024
Ever had a check denied at the cash register? If so, you may be in the Telecheck database.
September 24, 2024
Make home-ownership possible with down-payment assistance for new homeowners as well as previous homeowners.
September 23, 2024
Support Black-owned credit companies by opening a Visa or Mastercard, whether it be a rewards card to a secured card to build credit.
September 23, 2024
A bad credit bank account bank account lets you dump your prepaid card to open a real bank account.
September 23, 2024
Checking, Savings, No-Credit Check Loans, Mortgage Loans and Second Chance Banking
September 23, 2024
The FHA 203K Renovations Mortgage Loan only requires a credit score of 580 and 3.5% down payment.
September 20, 2024
Sell your gift cards for cash, whether it's an unused gift card or partially used gift card and get paid via Paypal or direct deposit.
September 19, 2024
The e-OSCAR method of investigation takes a short-cut in investigating credit disputes that often ignores supporting evidence.
September 18, 2024
Consumers have the right to request the method of verification when credit bureaus do not properly investigate credit disputes.
September 17, 2024
Explore the best secured credit cards for building credit.
September 16, 2024
Discover effective strategies to remove charge-off accounts from credit reports to regain control of your financial future.
September 13, 2024
EWS is like a credit bureau for banks that collects and shares information about fraud and suspicious activity in consumer bank accounts.
September 12, 2024
Best 1 Year CD Rates make an attractive savings vehicle because you can pretty much predict your earnings.
September 11, 2024
Learn the actions that are considered check fraud that can land you in ChexSystems, EWS, a bad credit report as well as prison.
September 11, 2024
Money market accounts are similar to savings accounts except they earn higher rates, offer easy access to funds, and come with a debit card.
September 10, 2024
Grow your money faster with a high rate savings account.
September 9, 2024
There are multiple consumer reporting agencies other than the big three. Others keep track of banking, rent, store returns, medical and more.
September 8, 2024
Find out how ChexSystems works. What kind of checking or savings activity landed you in ChexSystems and how you can get out.
September 6, 2024
Participating in the "Chase Money Glitch" is simply fraud with serious repercussions.
September 4, 2024
A credit score is a number based on the statistical analysis of a consumer's credit reports, usually between 300 and 850.
September 2, 2024
If you ever find yourself facing credit card bills you cannot pay, take action early to find a resolution that may save your credit scores.
August 30, 2024
Check out the best no-credit check secured credit card that graduates to an unsecured credit card in as little as 6 months.
August 29, 2024
Yes. Affirm does report to credit bureaus, but it's not a blanket policy. Affirm typically reports monthly installment loans to Experian.
August 28, 2024
Check out these banks like Chime that are real licensed banks offering user-friendly digital tools that make managing finances easier.
August 23, 2024
In this StellarFi review, you'll discover how it works, its pros and cons, and whether it's the right credit-building tool for you.
August 20, 2024
National Public Data: Learn about the massive data breach that exposed 2.7 billion records, including Social Security numbers.
August 19, 2024
LifeLock cost can be worth it to keep your personal, financial and credit information safe from identity theft
August 19, 2024
There are several compelling reasons to check your credit report at least once a month, especially in today's environment of data breaches.
August 16, 2024
Your debt may be uncollectible. Review your State's Statute of Limitations on how long you can be sued for an unpaid debt.
August 15, 2024
People with bad credit can benefit from guaranteed approval credit cards that report monthly to the major credit bureaus.
August 14, 2024
Strategies to dispute collection accounts include finding errors on your credit report and requesting a deletion.
August 13, 2024
Learn when a late payment reports to the credit bureaus. Even a single late payment can cause a significant drop in your score.
August 12, 2024
If you disagree with a charge on your credit card or are unsatisfied with goods or services, dispute your credit card bill to get a refund.
August 9, 2024
Take a look at strategies that can help remove late payments.
August 8, 2024
A FICO credit score is a three-digit number that lenders use to assess your creditworthiness and can range from 300 to 850.
August 7, 2024
Learn the strategies to remove late payments from your credit reports by disputing with the credit bureaus or direct with the creditor.
August 6, 2024
Understanding how credit scores work empowers you to make informed financial decisions and potentially save significant amounts of money.
August 5, 2024
Getting denied credit can sometimes come as a shock, find out 5 top reasons you may have been denied credit and request reconsideration.
August 2, 2024
Rapid Rescore is a service used by lenders and mortgage brokers to update borrower's credit files immediately to increase scores.
August 1, 2024
Everything you need to know to get approved for a bad credit mortgage loan in 2024.
July 31, 2024
Old negative information may not be removed automatically. Check your reports to make sure outdated information is not reporting.
July 30, 2024
One quick way of improving credit scores is by using less of your available credit. FICO scoring system rewards consumers for not maxing out.
July 29, 2024
If you want to buy a house with bad credit, consider these mortgage loans for bad credit to get approved.
July 28, 2024
Having perfect credit involves developing habits that just about anyone can practice.
July 27, 2024
Most credit cards have a short period where you may not be charged interest on your credit card purchases known as a grace period.
July 26, 2024
APR (Annual Percentage Rate) is the cost of borrowing on credit cards that includes the interest rate charged on the balance along with fees.
July 26, 2024
It's possible to get a mortgage loan with bad credit but taking action to improve scores will put you in a much better position for approval.
July 25, 2024
A credit card cash advance lets you borrow against your available balance for a short period but usually at a higher interest rate.
July 24, 2024
Use your valuables or debit card for a refundable security deposit with the Pesto Secured Rewards Mastercard®.
July 23, 2024
Avoid these five credit repair actions that can end up hurting your credit scores more than helping.
July 22, 2024
SoFi and Chime both offer online banking services but reviewing SoFi Bank features, 9 benefits stand out over what Chime offers.
July 19, 2024
Find top online banks that pay 2 days early and get a jumpstart on your savings, bills and investing that early paydays allows.
July 18, 2024
Find out why big banks are notorious for paying low rates on savings accounts and where you can get much better rates.
July 17, 2024
Saving money doesn't have to be difficult, these hacks show you how to think out the box and get creative to save money.
July 16, 2024
The Upgrade Cash Rewards Credit Card is an attractive option to earn 1.5% cash back on ALL purchases plus a $200 bonus.
July 15, 2024
A credit freeze means no one, including you, can apply for credit until you unfreeze your credit reports, not even banks or lenders.
July 15, 2024
Dividends are a way that companies can share profitability with their shareholders in the form of cash, stock, or other property.
July 15, 2024
With data breaches running rampant, a credit freeze can help prevent identity thieves from opening new accounts in your name.
July 12, 2024
Second chance banking is available in all 50 states as an option for people with bad credit, EWS or ChexSystems records.
July 11, 2024
Business banks that don't use ChexSystems can help small business owners with ChexSystems records open a business checking account.
July 10, 2024
Options to get fast funds for your business when you have bad credit.
July 9, 2024
Loans for low credit scores provide access to funds when other lenders may turn you down.
July 9, 2024
Discover second chance banking in Florida with traditional banks, online banks along with credit unions that offer a fresh start.
July 8, 2024
Discover second chance banking in Texas with traditional banks, online banks along with credit unions that offer a fresh start.
July 7, 2024
Discover second chance banking in California with traditional banks, online banks along with credit unions that offer a fresh start.
July 6, 2024
Discover second chance banking in Georgia with traditional banks, online banks along with credit unions that offer a fresh start.
July 5, 2024
Debt payment deferment can help save your credit scores from late payment marks on your credit report.
July 5, 2024
Best Banks in New Mexico that offer monthly free checking plus some that offer second chance checking.
July 4, 2024
If you're having trouble making credit card payments, consider requesting credit card payment deferment as a temporary relief.
July 4, 2024
Discover second chance banking in Missouri with traditional banks, online banks along with credit unions that offer a fresh start.
July 3, 2024
Airport luggage delivery driver jobs are becoming increasingly popular as demand for air travel continues to increase.
July 2, 2024
Unlock travel discounts with debit card rewards. Discover how to save on flights, hotels, and more with these surprising perks.
June 29, 2024
Steps to dispute ChexSystems for unpaid overdraft fees, bounced checks, account abuse, fraud, outstanding debt and more.
June 28, 2024
Find the best online loans for bad credit from lenders that design installment loans that cater to people with past credit problems.
June 27, 2024
Charge-off accounts may be sold to a collection agency causing both negative accounts to appear on your credit reports.
June 26, 2024
Charge-offs typically remain on your credit report for seven years from the date of the first missed payment that led to the charge-off.
June 25, 2024
Quick summary of Current banking products from free checking, high-yield savings, payday cash advance and to the credit builder card.
June 22, 2024
Take a look at the financial products Black-owned banks offer to communities across the United States.
June 21, 2024
The FRCA Compliance Date determines how long a negative account remains on credit reports by calculating the original delinquency date.
June 19, 2024
FHA loans are not always the best option for mortgage loans but they may be the only option when you have credit issues.
June 18, 2024
Kids' debit cards offer a way for parents to control and monitor spending, develop savings and budgeting skills.
June 17, 2024
Microloans offer small business loans for bad credit that range up to $50,000 that can be used for start-up businesses and expansion.
June 15, 2024
Discover 25 profitable options for starting your own business from the comfort of your home.
June 13, 2024
Part of rebuilding credit includes adding positive credit accounts to your credit history.
June 12, 2024
There are multiple FICO score versions depending on the type of credit product like auto loan scores, mortgage scores and credit card scores.
June 7, 2024
AT&T current and past customers should sign-up for free dark web monitoring before the Aug. 30, 2024 deadline due to the massive data breach.
June 6, 2024
Identity theft is when someone wrongfully uses another person's personal data to obtain credit, loans, file taxes, and more without consent.
June 5, 2024
Get a free credit report from Experian, Equifax and Transunion weekly and download them immediately online.
June 4, 2024
Our Extra debit card review found the claims to build credit are correct, but there are several, less expensive debit cards that build credit.
June 3, 2024
If you open an account at one of these 5 banks, you may qualify for a personal loan with no credit check.
June 1, 2024
Carver Federal Savings Bank is a black-owned bank in New York with full-service banking products.
May 29, 2024
Getting approved for a car loan when you have bad credit is possible but it's best to interest rate shop to get the best deal.
May 24, 2024
Many banks will deny people with 580 credit scores but this fintech offers the best credit card, with rewards, for low scores.
May 20, 2024
Find out the difference between FICO scores and Credit Karma and why it matters.
May 11, 2024
Overdraft fees can add up quickly but which banking app, Chime SpotMe® or Albert Cash Advance offers customers the best option.
May 8, 2024
Chime isn't a bank, but it offers banking services like debit cards, savings accounts, and credit building options.
May 7, 2024
Financial products can be powerful tools in improving your credit history by establishing on-time payments and managing amounts owed.
May 1, 2024
Credit Saint, Sky Blue Credit, are just two on our list of best credit repair companies to fix your credit like charge-offs and collections.
April 26, 2024
AI-powered credit repair company Dovly, boasts a 79 point score increase for its premium members.
April 22, 2024
Klarna does not report monthly payments to the credit bureaus. But, if you miss a payment, that might be reported.
April 19, 2024
Get tips on how to get a credit score of 800 and above. It can be achieved if you make it a goal and follow a few important steps.
April 18, 2024
Credit-builder loans let you build your credit and savings account at the same.
April 18, 2024
Ultimate Guide to Improve Credit Scores: Reach your credit goals and improve credit scores to get lower rates and save money.
April 17, 2024
Closing credit accounts can cause your credit score to drop. You lose available credit limit which makes your utilization rate increase.
April 16, 2024
Your credit score can drop after paying off your car loan because the scoring model stops affording you points for having that loan type.
April 15, 2024
How to choose the right life insurance is an issue many Americans face. The decision to obtain life insurance may seem simple; until you get into the multiple types of life insurance. We’re going to take a quick look at the two most common types of life insurance, whole and term life. Key differences between whole life and term life insurance Term Life Insurance Coverage. Provides coverage for…
April 14, 2024
The lowest personal loan rates range from 5.99% to 36%.
April 9, 2024
25 easy credit fix tips to improve credit scores. Make your financial life a little easier with good credit scores.
April 8, 2024
Getting declined for a credit card doesn't always mean that's the final answer.
April 6, 2024
Learn how to order a free EWS report today.
April 2, 2024
Learn how to build a credit history within in matter of months by establishing a good payment history.
March 29, 2024
For most consumers one inquiry can take 5 points or less off a credit score but that number can increase if you have few accounts or a short credit history.
March 27, 2024
Credit scores can update multiple times a month depending on how often your lenders report changes in your account activity.
March 22, 2024
Get the inside scoop on how to spot errors and what items to update, correct or delete.
March 19, 2024
Could the Mighty Oak Debit Card be your ticket to financial growth? Get the lowdown on its metal debit card and high-yield accounts.
March 15, 2024
Learn 5 reasons you might be left with unexpected car debt.
March 13, 2024
A single late payment can tank a good credit score up to 100 points
March 11, 2024
Bad credit can more than double car insurance rates, despite being the safest driver with no previous accidents.
March 9, 2024
It is a mistake to ignore bad credit because when you need to use your credit history it may be too late to fix.
March 7, 2024
Check out these 5 strategies to delete negative credit items and improve your overall credit history.
March 7, 2024
Get strategies and tips to successfully dispute negative credit, collections, charge-offs, late payments, errors, and outdated information.
March 6, 2024
A goodwill letter to the original creditor can result in removal of past due payment marks.
March 5, 2024
Goodwill letters still work even if the creditor says it's against the law to delete a negative item. It's not against the law, keep pursuing
March 2, 2024
3 smart ways to invest your tax refund for a brighter future.
February 28, 2024
The Score app only only accepts users with a minimum 675 credit score. The dating app was launched by the company Neon Money Club.
February 27, 2024
Open an online business checking account online from the comfort of your own home or office.
February 26, 2024
Paying less than the minimum payment on credit cards can lead to a charge-off unless you enroll in a credit card hardship program.
February 25, 2024
Cash stuffing is a popular trend to budget household expenses but savings vaults offer a safer method that earns interest on your cash.
February 20, 2024
Know the difference between a credit card due date and the closing date to boost your credit scores.
February 19, 2024
You can change your credit score legally and quickly by knowing how credit scores work.
February 18, 2024
Check out these credit cards for fair credit if your credit scores range from 580 to 640 from cash back rewards to travel points.
February 16, 2024
Tradeline Supply Company is a legitimate company with a good reputation offering a variety of authorized user tradelines to choose from.
February 15, 2024
Get a bad credit mortgage in 2024 using FHA mortgage loans that are generally easier to obtain.
February 15, 2024
Authorized user credit is a proven strategy to improve credit scores but there can be drawbacks depending on the cardholder's credit habits.
February 14, 2024
Does love really conquer all? What happens when you marry someone with bad credit. Learn how to manage a spouse's bad credit.
February 12, 2024
The Fair Credit Billing Act (FCBA) protects consumers from unfair billing practices on open-end credit accounts like credit cards.
February 9, 2024
SoFi Bank bonus offer is one of the highest in the industry with new customers eligible to earn up to $325.
February 7, 2024
Weigh the pros and cons of filing bankruptcy vs debt management plan. Both are powerful tools but which one is best for credit scores.
February 6, 2024
Checkout our breakdown Lifelock's identity theft services.
February 4, 2024
Get positive credit accounts reporting to counteract negative accounts.
February 3, 2024
As part of your retirement strategy open a Roth IRA to grow your investment and withdraw your money tax-free in retirement.
February 2, 2024
Find out how long negative credit like late payments, charge-offs, car repossessions, and bankruptcies stays on your credit reports.
February 1, 2024
Check out the top Black-Owned Credit Unions that provide banking services such as Checking, Savings, CDs and Loans to Members.
January 31, 2024
Discover the steps to take if your AT&T account has been sent to a collection agency.
January 27, 2024
Invest in apartment buildings through REITS without purchasing the property.
January 26, 2024
Credit Privacy Numbers (CPNs) are illegal when marketed as credit repair or to establish a new credit history and score.
January 23, 2024
Get your ChexSystems Report instantly online or request to get it by mail.
January 18, 2024
Check your credit reports at least once per month while it's free.
January 11, 2024
FICO credit scores range from 300 to 850 and can affect your financial well-being.
January 7, 2024
Explore how Experian Boost works to improve your credit score by adding positive payment history to your credit reports.
January 6, 2024
The Opensky Secured Credit Visa Card that has no credit check necessary.
January 5, 2024
Increase your chances of getting approved for a credit card by knowing what credit card issuers look for.
January 4, 2024
Find out what Credit Saint can do to help repair your credit.
January 3, 2024
Get an effective game plan to raise your credit scores with these 5 strategies and boost your creditworthiness.
January 2, 2024
Alabama Statute of Limitations on debt such as credit cards and unsecured loans.
December 20, 2023
Federal laws say you are entitled to compensation when an airline bumps you from a flight.
November 30, 2023
Secured credit cards aren't the only way to build credit. Learn about the types of secured credit that can help your credit history.
November 27, 2023
Credit unions and banks offer similar services, but there are some surprising differences that can impact which one you choose
November 25, 2023
Get a List of Snap Finance Stores Online as well as your local community where you can buy now, pay later even with bad credit.
November 13, 2023
The frequency of credit score updates typically happens once per month, but it may vary based on lenders and statement cycles.
November 9, 2023
Capital One Credit Card limits can start notoriously low due to its credit bucket system.
October 31, 2023
Bad credit, no matter how scary, should be dealt with. Don’t let bad credit frighten you to the point where you do nothing.
October 30, 2023
Build business credit with no personal guarantee with this step-by-step process.
October 28, 2023
Second chance credit cards with no security deposit will help build a strong credit history over time that can lead to good credit scores.
October 26, 2023
Telecheck measures the risk a merchant has in accepting your check.
October 24, 2023
You might be surprised by how much one mistake can lower your credit score.
October 19, 2023
You can become a homeowner with a 500 credit score by working with an FHA lender but you'll need at least a 10 percent down payment.
October 18, 2023
Delivery jobs for medical supplies can be a simple way to make money for delivering medication, medical records and even specimens.
October 13, 2023
Credit washing is one of the latest illegal credit repair strategies.
October 11, 2023
Get a merchant cash advance with same-day funding even with bad credit.
September 28, 2023
My Jewelers Club stopped reporting to credit bureaus here are some alternatives.
September 26, 2023
Regulation D helps banks maintain enough cash to meet withdrawal requests by limiting how customers can use their savings accounts.
September 19, 2023
Once a debt is sold to a collection agency you have a chance to settle the debt for a lesser amount, often pennies on the dollar.
September 17, 2023
Review the Best Banks in South Carolina for Free Checking plus Second Chance Banking if you have ChexSystems records.
September 3, 2023
Zillow’s 1% down payment program may speed up homeownership for qualified buyers.
September 1, 2023
Paying only the minimum on credit card accounts could mean you end up paying three times the original purchase.
August 29, 2023
Find out how to secure a quick hard money loan for your fix and flip investment project.
August 28, 2023
Greenwood is not a bank, it's a fintech much like Chime that offers banking services that include checking and savings accounts.
August 25, 2023
Take a look at these 5 simple ways to raise credit score 100 points.
August 21, 2023
SageStream is a consumer reporting agency that collects information from public records like tax liens, judgments, and even social media.
August 19, 2023
The IRS Fresh Start Program can help you get a fresh start on your finances if you are struggling to pay your taxes.
August 18, 2023
In 2018 tax liens were removed from consumer credit reports in part as result of a Consumer Financial Protection Bureau study that found issues with reporting public records information correctly. Civil judgments were also included as information that is no longer reported by the major credit bureaus. Bankruptcies are the only type of public record on credit reports. Why tax liens were removed from credit reports? The move…
August 13, 2023
Question: Can a delinquent account be sold multiple times to different debt collectors? If so, how long can that negative account be reported on a credit report? I have a delinquent account that has been on my credit report for seven years and it looks like another debt collector recently purchased the account and now the item is scheduled to remain on my credit report for another five…
August 12, 2023
It’s not unusual for unpaid debt to change hands but only one debt collector can report on your credit history for the same debt.
August 10, 2023
When your credit is really bad, no credit check credit cards can help you bounce back.
August 9, 2023
Fintech refers to “financial technology” that improves and streamlines how financial services are delivered to consumers and businesses.
August 8, 2023
Best Banks in Pennsylvania for Free Checking plus find Second Chance Checking Accounts.
July 28, 2023
Rental payment history on credit reports can be a tool build credit.
July 27, 2023
Credit gives you the ability to make purchases with the promise that the money will be repaid later; credit is not money you currently have ⏤ it’s money you’ll owe in the future. There are three main types of credit: installment credit, revolving credit, and open credit. Credit cards are a type of revolving credit that allows you to borrow money up to a certain amount, which is…
July 26, 2023
When you enter into a voluntary car repossession agreement with your lender, your credit score and report will reflect that information.
July 25, 2023
When you reinstate a car loan, it does not change derogatory marks on your credit reports that led up to the car repo.
July 17, 2023
Axos Bank is legit with full-service digital banking products from interest free checking to high-yield savings, money markets and loans.
June 28, 2023
Payment history is the biggest contributing factor to your credit score. One missed payment can drop a score up to 110 points.
June 22, 2023
Take control of the information being reported to the credit bureaus with these 10 strategies to improve your credit scores fast.
June 20, 2023
Customers earn high-interest rates on checking, savings, CDs and money market accounts.
June 15, 2023
Discover the best credit union for bad credit car loans that offer competitive rates, flexible terms on new and used cars.
June 14, 2023
Credit is the ability to borrow money or obtain goods or services with the promise of paying for them later, typically with interest.
June 13, 2023
Finding the best free banks in Ohio depends on your banking needs. Whether your priority is interest-bearing checking accounts, high-yield savings, a variety of banking products, digital banking or physical branches, there is a bank in Ohio that can meet your requirements. However, if you’re unable to open a checking account due to ChexSystems or Early Warning Services (EWS) records, we also compiled a list of second chance banks…
June 7, 2023
Get a Second Chance Checking Account in Illinois at banks that don't use ChexSystems. Save money on fees and costs related to prepaid cards.
June 3, 2023
If your credit score ranges from fair to poor, the Bank of Missouri Credit Cards offer several poor credit no deposit credit cards.
June 1, 2023
California bad credit loans can be approved by direct lenders instantly with funds deposited within days.
May 30, 2023
Online emergency loans from direct lenders with funds in your account as soon as the next business day. Bad credit emergency loans available.
May 29, 2023
Checking, Savings, No-Credit Check Loans, Mortgage Loans and Second Chance Banking
May 25, 2023
ChexSystems account abuse is a category ChexSystems uses to report negative checking account activity.
May 21, 2023
If a charge-off has an open status it's most likely a mistake.
May 19, 2023
A collection agency can continue to update the account on your credit reports up to the date the reporting time has expired.
May 17, 2023
Best Banks in New York that offer free checking plus some that offer second chance checking accounts.
May 15, 2023
Banks may pull credit reports to look at financial history, verify identity and check to see what financial products to offer.
May 14, 2023
There's a time value to money. Check out these examples of compound interest to see how to grow your money exponentially.
May 13, 2023
Find out your options to resolve student loan repayment issues.
May 12, 2023
A soft credit pull, also known as a soft credit check, is a credit inquiry that doesn't affect your credit score.
May 11, 2023
Get free FICO Scores because it makes sense to know the credit score used by 90% of top lenders.
May 10, 2023
The date of last activity (DLA) can change when you make a payment or the balance of an account or collection is updated.
May 9, 2023
A pay for delete is a way to negotiate with a collection agency to remove an account from your credit reports in exchange for payment.
May 6, 2023
Fannie Mae's HomeReady program will allow low to moderate income borrowers to include income from family members, parents, and even boarders.
May 6, 2023
In our Greenlight card review we found that kids can learn managing money, spending money, budgeting, and investing in real-time.
May 5, 2023
New mortgage pricing policy has homebuyers with high credit scores paying more in fees.
May 4, 2023
Banks in Mississippi that offer free checking plus second chance checking for people with past ChexSystems issues.
May 3, 2023
Find out how to keep your tax refund safe from stolen identity refund fraud.
May 2, 2023
Check out the best banks in Colorado that offer free checking and second chance banking,
May 2, 2023
Brokerage accounts allow investors to purchase shares in companies for less money than buying directly through stock exchanges.
May 2, 2023
Get steps to take immediate action if you discover a charge-off account on your credit report due to identity theft.
May 1, 2023
Filing a Chapter 7 Bankruptcy may not wipe out all your debts.
April 30, 2023
Check your ChexSystems score free of charge with one simple form.
April 28, 2023
Our guide provides step-by-step instructions on everything from writing a business plan to obtaining funding.
April 28, 2023
Get some insight on your ChexSystems score that ranges from 100-899 and how banks and lenders use it in decision making.
April 27, 2023
Finding money to operate your start-up or existing business can be time-consuming but preparation will be key in your success.
April 26, 2023
Deciding how to structure a small business is a vital step for an entrepreneur, learn the most common options.
April 26, 2023
Mixing business credit expenses with personal credit expenses can have disastrous effects on your personal credit score.
April 25, 2023
Bank of America does use ChexSystems to verify new customers and Early Warning Services too.
April 23, 2023
Get three actions to take when the credit bureaus reinsert accounts that had been previously deleted through the dispute process.
April 21, 2023
Consumers Credit Union in Illinois is a full-service financial institution with high-interest checking up to 5% APY and low-rate auto loans.
April 20, 2023
Credit Unions are insured by the National Credit Union Administration (NCUA) that protects the deposits up to $250,000 per customer.
April 19, 2023
Re-aging of a debt essentially turns back the clock on when a debt is scheduled to drop off your credit reports.
April 16, 2023
Earn fee money for making everyday purchases with your debit card.
April 15, 2023
There are simple actions to take when you do not have a credit score that will take about 6 months to establish a credit score.
April 15, 2023
Check out the best banks in Louisiana that offer free checking accounts and second chance banking for people with ChexSystems records.
April 9, 2023
A fraud notation in ChexSystems is very serious and can damage your reputation. Get strategies to remove fraud from ChexSystems.
April 8, 2023
Placing a ChexSystems freeze prevents ChexSystems from releasing any information in your file and can be helpful in preventing fraud.
April 8, 2023
Keep your cool with these 17 Tips to Deal with Debt Collectors: Stay calm, stay off the phone, know your rights and request proof of debt.
April 6, 2023
Best Banks in Alabama that offer free checking and some that offer second chance checking accounts
April 2, 2023
Get 7 Strategies to rebuild credit scores using credit accounts only.
March 29, 2023
Revolving credit is a type of credit that allows people to borrow a certain credit limit and repay with interest.
March 27, 2023
Check out the average credit score by age based on FICO, the most commonly used credit scoring model in the US.
March 26, 2023
ChexSystems phone number at 800-428-9623 makes it easy to contact representatives directly.
March 25, 2023
A discount broker can help you save money on your investments by offering lower fees and commissions
March 23, 2023
Most damaged credit could have been saved by having a healthy savings account. Start building up your savings with high interest.
March 22, 2023
Find out how a consumer found herself in TeleCheck over one bad check and what to do if this happens to you.
March 21, 2023
TeleCheck is a consumer reporting agency subject to the FRCA which means you can dispute the information in your TeleCheck report
March 18, 2023
Guide to get started building credit after Chapter 7 or 13 Bankruptcy.
March 17, 2023
Free credit scores are all the rage nowadays but they may not be the credit scores used by lenders.
March 16, 2023
Retail credit cards come with higher interest rates but they are typically easier to get than major credit cards.
March 13, 2023
Personal loans can help to improve credit scores by making on-time payments.
March 9, 2023
The FDIC protects depositors' funds against bank fails up to $250,000.
March 7, 2023
Fintech companies that offer checking accounts and loans are a good option for the unbanked.
March 6, 2023
Explore alternative options to Buy Here, Pay Here Car loans. Shop around to compare rates for online bad credit car loans.
February 27, 2023
CDFIs provide financial services in economically disadvantaged communities and help promote economic development.
February 24, 2023
Having a safe place to stash your cash is an important reason to have a bank account in addition to earning compounding interest.
February 19, 2023
Custom debit cards allow you to show your sense of style, express your personality or what's important to you.
February 18, 2023
While credit cards provide an easy way to build a credit history, they may not be ideal for everyone.
February 17, 2023
Credit report errors are serious. Having poor credit as a result of a financial hardship is bad enough, but having poor credit due to errors is even worse. A simple clerical error can seriously affect credit scores resulting in a denial of credit, including a home or auto loan, credit card, apartment or even employment. Many employers routinely run credit checks on potential employees. Applicants with shaky credit…
February 13, 2023
Take your banking to the next level with a metal debit card. Find out if this luxurious option is right for you.
February 11, 2023
FICO is the largest credit scoring model used by 90% of lenders. Every few years FICO updates its scoring model and the newest version, FICO 9, might actually help consumers with paid collections and medical collections. FICO Score 9, has some big changes in the area of debt collection. The scoring model does not include paid collection accounts and it will differentiate medical collection accounts from non-medical debt.…
February 2, 2023
Here's a look at five credit cards for bad credit that can help build a positive credit history when payments are made on time every month.
January 24, 2023
A simple debt validtion letter example that can be used to request debt validation from a collection agency.
January 23, 2023
The X1 Visa Credit Card review looks at how a soft credit check is used for approval and income is a major part of the approval process.
January 19, 2023
The Fair Credit Reporting Act is a useful tool to delete errors from credit reports.
January 18, 2023
Choosing the right credit counseling agency can make the difference in reducing your debt or digging yourself further into debt.
January 8, 2023
Through December 2023, get weekly free credit reports from Experian, Equifax, and Transunion during the COVID-19 pandemic.
January 5, 2023
Earn over 4.00% APY on High Yield Savings Accounts, that's 17x more than Chase, Bank of America and Wells Fargo rates.
January 2, 2023
Ultimate free guide on how to repair your credit with strategies to remove negative credit items and add positive credit to improve scores.
December 26, 2022
Get deals at SoFi Stadium by becoming a member. Bypass the lines, get a 25% discount on food and merchandise, access to lounge and more.
November 30, 2022
Save more money with simple tips that will put money in the bank plus find high interest savings accounts, money market account and CDs that will grow your money faster.
November 22, 2022
The impact to borrowers credit scores from student loan debt can last years. Rebuild your scores if you have late student loan payments.
November 18, 2022
If you're looking for a credit card for bad credit, the Indigo Mastercard lets you pre-qualify without hurting your credit score.
November 16, 2022
Capital One reports to the credit bureaus within 4 to 6 days after the payment due date listed on your statement.
October 31, 2022
There are multiple consumer reporting agencies other than the big three. Others keep track of banking, rent, store returns, medical and more.
October 19, 2022
6 Effective Strategies To Use When Buying a Car With Bad Credit.
October 18, 2022
You don’t need a credit restoration company to navigate the dispute process, start with this simple first step to remove derogatory items.
October 7, 2022
Guide to saving money with simple tips to get out of debt including increasing your credit score by 40 plus points.
September 23, 2022
Bad credit does not have to be a life sentence. Re-establish credit because your credit history is an integral part of everyday life, it’s just about impossible to avoid. Replace any credit-damaging habits with new, better ones to re-establish credit.
September 16, 2022
While getting out of debt sounds great, consumers using debt settlement companies often fail to realize the dangers. You may be able to reduce your debt but the negative impact on your credit scores may not be worth it.
September 12, 2022
Voluntary repossession can still leave a deficiency balance that the lender can pursue you for payment and put on your credit report.
September 7, 2022
You may have heard about credit inquiries, but what exactly are they? Lenders, landlords and potential employers can access your credit.
September 6, 2022
Credit inquiries can be removed if they were done without a permissible purpose. The FCRA gives you the right to dispute credit inquiries.
September 5, 2022
Improving your credit score may be easier than you think. Some problems can be quickly fixed to get an immediate increase in credit scores.
August 30, 2022
There are several components to credit scores but a few key components have the most impact like payment history and utilization.
August 27, 2022
Higher credit scores decrease car insurance rates in most states except California, Hawaii, Massachusetts, Michigan, and Washington.
August 26, 2022
Once a collection account lands on your credit reports it can stay for up to 7 years from the date of the original account’s default regardless payment. Paying a collection account does improve credit scores but only under FICO 9 scoring system.
August 23, 2022
Knowing how to choose the right types of bank accounts can have a lasting impact on your ability to build wealth. Serve your financial needs.
August 22, 2022
Know where you stand in the credit game with monthly free FICO® scores that are available to some consumers with no sign-ups necessary.
August 15, 2022
Find out what those seemingly random credit codes mean on your credit reports and how they can be used to get negative accounts removed.
July 14, 2022
Ever received a denial of credit letter with reason codes you did not understand? Those codes can answer why your credit scores are low.
July 13, 2022
Medical debt can seriously damage credit but by July 1, a significant number of consumers will have medical collection debt removed.
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