Do you have a collection that needs to be paid? If yes, did you know you can either pay it in full or negotiate? If you have an account that’s gone into the collection stage, you’re probably aware that your credit is now dinged. Once you start to repair your credit, you’ll need to deal
Credit Repair News
Your credit balance plays a major role in determining your credit score. Common questions we hear people ask include: “Do I need to carry a balance on my credit cards to improve my credit scores?” “How much balance should I carry?” When you’re trying to repair your credit or just maintain a good credit score,
Getting a car loan is not a terribly difficult thing to do. Car dealers are eager to sell cars, even to individuals with low credit scores. But what if waiting 6-12 months and working on your credit score would save you $6,000 or more on your car loan? A target credit score of 670 or
When you don’t pay off a credit card or medical bill, a collection account will likely show up on your credit report. This is a result of the original creditor writing off your debt as a loss and selling it to a debt collection agency. This happens only after you’ve become severely delinquent on your
Everyone naturally starts out with no credit history and no credit score, yet when lenders determine if they will give you a line of credit, they look at your history. When you have don’t have established credit, you get very poor offers from lenders. They’re happy to give you high interest and high fee credit.