exploring credit reports and scores myths vs facts

Debunking 6 Myths About Credit Reports and Scores

Credit reports and scores have an impact on many aspects of consumers’ financial lives, so it’s no surprise that there is a lot of misinformation surrounding them. Misunderstanding credit reports and scores and their impact can limit consumers and even lead to making less-than-ideal financial choices. Are you ready to let go of misinformation a...


what happens during the credit repair process

What Happens During the Credit Repair Process

If a low credit score or mistakes with credit in the past are keeping you from obtaining new credit, you may be considering credit repair. Offered by for-profit companies, credit repair is a process that claims to “clean up” a consumer’s credit report by removing any incorrect negative items. Once these negative items are removed, most consum...


debt settlement vs. debt management

Debt Settlement vs. Debt Management—What’s the Difference

Dealing with high levels of credit card debt can be stressful and overwhelming. Simply making minimum payments on multiple accounts every month means paying off that debt for years to come. Fortunately, there are options that can help borrowers get out of debt more quickly. But not all options have a positive effect on consumers’ financial future...