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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...

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...

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...

The Option Period Can Help You Avoid Making a Bad Home Buying Decision.

Last month we covered the benefits of hiring a realtor. By now, you should have a home picked out and your realtor should be preparing an offer. Included in your offer will be an...