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Should I File for Bankruptcy?

There are pros and cons to filing for bankruptcy. Don't do it before educating yourself!

In cases where it may be necessary to consider filing bankruptcy, it’s a very good idea to weigh the pros and cons of doing so before committing to it. There are some popular...
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Should I Wait Seven Years for Collections to Fall Off?

Waiting for collections to fall off of your credit report seems like a great option. But there are pros and cons.

There are three major credit reporting agencies: Experian, TransUnion, and Equifax. They may be separate agencies, but they do the same thing-provide a record of credit...
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Debt, Credit Scores, and Loan Applications

Lenders don't just look at credit scores. They also look at your debts.

When filling out a major credit application, the lender checks your FICO scores. Your scores aren’t the only factor that can affect your application. Your credit history, the amount of debt you have, and the...
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Identity Theft And Credit Reports: What You Should Know

Identity theft can hurt your credit score.

Identity theft can be a serious problem for those trying to apply for new lines of credit. Many people don’t learn about identity theft problems until they decide to review their credit reports ahead of a loan application. Fixing these issues...
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