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How NOT to Respond to a Credit Bureau “Frivilous” Letter 10 May 2011 | 04:52 am

If you’ve ever tried repairing your own credit, then you’ve probably gotten a “frivolous” letter from one of the big 3. You know the one… “We already investigated this item and we won’t investigate ag...

Guaranteed Credit Card Approval 14 Apr 2011 | 04:46 am

Crystal asked: I am trying to get approved for a credit card. My credit to debt ratio is %11(credit) to %89(debt)and my credit score is 700. I have one credit card and I am the cosigner to my car. My ...

How Does A Joint Account Affect My Credit Score? 18 Mar 2011 | 07:29 am

Victor asked: I am looking to raise my credit score. I currently have a 598 score. My wife has a good score. I am looking to try and piggyback on one of her credit cards to increase my score so we can...

Is a Collection Worse Than a Charge off? 18 Mar 2011 | 07:19 am

Joseph V asked: I have a debt that is being charged off. They are offering a settlement, but if I pay it in full or settle, it still will show as charged off. How much much will each option effect my ...

Disputing With Creditors And Collection Agencies 2 Nov 2010 | 05:11 am

Alon asked: Can you do something if the creditor responds that the account was sold, but they still reporting negative information? A: Let’s say you have a credit card account with American Express an...

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