Can an unpaid cellular phone bill be reported on my credit report?
by Scott Bilker
Scott, Can an unpaid cellular phone bill be reported on my credit report? I am in a dispute with a cell company over a bill that was paid by check and not credited to my account. Thank you for your help. Theresa
How to Correct Mixed or Split Credit Reports
by Pammila Phillis
Credit reports contain errors on a regular basis. So, before applying for new credit or beginning your credit repair journey make sure that all of the information contained in your credit report is yours.
Bogus July 1 Email Exposed: The Real Deal on Your Credit File Privacy
by Federal Trade Commission
Just wanted to let everyone know who hasn't already heard, the four major credit bureaus in the U.S. will be allowed, starting July 1, to release your credit info, mailing addresses, phone numbers...to anyone who requests it. If you would like to opt out" of this release of info., you can..."
10 Credit Myths
by Scott Bilker
As they say, "Knowledge is power." Many times people either act on false information or fail to act because they didn't know what could be done to their benefit. This is the case in many areas in life, but on the top of that list is money. And in the money category you will find lots of misinformation about credit. There is so much to talk about on the topic of credit myth that an entire book could be dedicated to it.
Refinancing And Your Credit Score
by Gary Foreman
I purchased a 1999 Buick Regal right before Thanksgiving. The loan was for a 14.5% interest rate. I was told that I should wait at least one year before refinancing. If I did otherwise it would look bad in my credit for not staying with this company for at least a year. I am interested in shopping around to see if I can get a lower interest rate, but am uncertain due to the information that was given. Should I shop around or wait until a year has been completed?
So Far In Debt; Can't Seem To Breathe
by Scott Bilker
Help please! I am so far in debt and can't seem to breathe. I have 6 credit cards and I am $25,000 in debt. I know you hear this all the time, I have been paying for over 2 years not charging anything and still can't get anywhere. I cut them 2 years ago, and called the companies to ask for a lower rate. They gave me like a year with low interest, and lower payments so my credit reports would not be hurt.
Which credit cards look better on your credit report?
by Scott Bilker
I have been told that certain credit cards (e.g. Capital One, Cross Country, and others like those) do not carry a lot of weight on your credit report. I was always under the impression that all credit cards carried the same weight. What is the truth?
Credit Report Errors
by Gary Foreman
I am correcting an item in my credit report. I requested the report from Equifax. Should I also request (and correct) reports from Experian and Trans Union? I can see a situation where I've corrected it with Equifax, but a lender uses a different agency. Do these companies share information?
Credit Card Balance Transfers
by Scott Bilker
I would like to use a credit card introductory rate to pay off a bank loan. I will need to borrow $13,000.00 credit to pay off the loan. I have heard that if my credit report shows too many credit card company requests within one year that I will be turned down for new credit cards...
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