What to Know About Collections On Your Credit Report
A collection appearing on your credit report can be very devastating to your credit score and your financial stress. A collection agency will often report a collection…
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Several Reasons to Improve Your Good Credit Score
A steady income alongside regular responsibility allows you to hold onto a good credit score. A good credit score to lenders is anything above 700, but the maximum…
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How to Start Your Credit Journey: Secured Credit Cards
So you’re new to the world of credit because you’ve never borrowed money before through a loan or credit card. Whatever the reason, If you want a bright credit future…
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How to Examine Your Credit Report
Credit cards are simple enough to understand on their own through a creditor’s or bank’s web portal or phone app. However, it is important at times to get a full credit…
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What Exactly is a Collection Debt?
Financial hardships are becoming far more common with every passing day due to the strain of the current economic climate and recent global catastrophes. Inflation is…
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Credit Card Tips: Do’s and Don’ts
When it comes to finances, credit cards can be both a boon or a detriment. On the one hand, credit cards can oftentimes be forgotten or hard to keep track of, or even…
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How Long Do Negatives Stay on Credit Reports?
A fresh, new credit report can display a lot of information about a consumer’s credit history, but there are going to be a few items that will stick to the history like…
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Credit Freeze or Fraud Alert: What’s the Difference?
Do you suspect that you may be a victim of fraud or that you have had your personal information stolen? You may want to consider doing a credit freeze or a fraud alert…
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The Deceased and Debts: Know Your Rights
It is always a hard time in life when a family member passes away, and the last thing you want to think about is the debt that your family may have left behind. No one…
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Getting a Call Regarding Your Online Accounts? It’s a Scam
One day you’re minding your own business and you get a call from a robot claiming it is from a company you recognize. This could be something like Apple, Amazon, or…
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Have a Car Lease? Sell it!
You may be driving around with only a few weeks left in your car lease and a single thought keeps popping through your head: what should you do with the lease? Returning…
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Beware of Fake or Abusive Debt Collectors
You may be minding your own business one day, and then you get a sudden call from a “debt collector” that claims you owe them money. However you may not recall owing a…
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Credit Tools: A Credit Monitoring Service to Fight Fraud
Identity Theft has been on the rise over the past two years. People are stressed out with world events, making them more susceptible to frauds and scams. Scammers are…
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Debt Relief Scams: Lowering Interest Rates
Credit card debt can burden a lot of families across the country as interest rates can bury consumers under accumulating debt. At the current time of writing, the…
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Avoid Tax Relief Companies: Deal with the IRS Yourself
Taxes are a headache enough already, but unfortunately, some people may not have the funds or ability to pay off their taxes to the IRS. Tax relief companies offer their…
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When Is It Time to File a Bankruptcy ?
Bankruptcy is a term that may seem like the end of the financial road for most people, and in some cases this may be true. However, bankruptcy may be the only solution…
Read more →In a Credit Report: Revolving vs Installment Accounts
So you just got your hands on your most recent credit report, and as you’re looking through, you notice that there are generally two categories of credit: revolving and…
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Repairing Late Payments on Your Credit Report
Life has many ups and downs, and nobody is perfectly on time for everything. For instance, a traffic jam could make you ten minutes late, or a blackout could occur while…
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Simple Things to Do to Quickly Boost Your Credit Score
You just got your credit score and/or report and saw that you’re a few points off from getting a good deal on a car loan, installment loan, or even a mortgage, so what…
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Understanding Your Credit Report: What’s What?
When looking through your credit report, you might see some things that look unfamiliar to you, whether it be a strange name for a creditor, the difference between an…
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Credit Card Maintenance: Keeping Up Credit Health
So you have a few credit cards in your wallet, but you might be worried about the impending avalanche of debt that may fall upon your head or the looming destruction of…
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Banking: How to Avoid Being Nickeled and Dimed
Banking has become a very important service in the modern world. Hiding cash-money in a mayo jar under the mattress simply does not cut it for a variety of reasons.…
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Budgeting With Your Credit Card
Hello everyone in the Fix Your Credit Consulting community! Today we will be exploring the topic of budgeting and how to best utilize your credit cards to keep control…
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Different Scores with Different Bureaus: What’s the Deal?
When checking a credit report that displays all three credit bureaus (Transunion, Experian, and Equifax), you may notice that the three scores may be different. This…
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Credit Score Breakdown
Hello everybody, today Fix Your Credit Consulting is going to explore credit scores and what exactly goes into calculating those numbers. Understanding your credit score…
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The Truth In Lending Act
Dear Fix Your Credit Consulting community, today I wanted to tell you all about a very important law that grants you protections in regards to credit cards and credit…
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Increase Your Limit
Hello Fix Your Credit Consulting community, today we are going to talk about how to push your credit card limit beyond what you may have thought possible! Something that…
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Credit Rewards
Hello Fix Your Credit Consulting community! Today we are going to explore one of the biggest benefits that you can get just from using a credit card: rewards and…
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Monitor Your Credit
Dear Fix Your Credit Consulting community, During this time of uncertainty the one thing you do not want to be uncertain about is your credit. You will want to be sure…
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Lower Your Interest Rate
Today Fix Your Credit Consulting is going to take a look at interest rates on credit cards and what YOU can do about them. For those that do not know, an interest rate…
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Pay Your Bills On Time & Remove Late Payments
Remove late payments by paying your bill on time! While those in the Fix Your Credit Consulting community probably already know this, it bears repeating: Pay. Your.…
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Change Your Billing Date
Yes, you can change your billing date and it’s easy! Today Fix Your Credit Consulting is going to teach you how to change your billing date. A lot of people get stressed…
Read more →Pay Off Revolving Debt First
Debt usually comes in two forms: Installment and Revolving. An installment loan is where you borrow money in a single lump sum and have to pay it all off by a set date.…
Read more →Banking Fees
Banks offer a valuable service that everyone should use to help manage their finances, however banks also try to force their customers to pay fees for a variety of…
Read more →Collections & Identity Theft
Despite great advancements in identity protection practices, identity theft affected over 143,000 Americans in 2019. Unfortunately, many people aren’t aware fraud has…
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Credit Tip – Credit Unions
Everyone should already be putting their money into a bank as a way to securely save and store their money, however most people do not know that there are alternatives…
Read more →Corona Credit Tip
During this period of COVID-19 uncertainty we hope that everyone is keeping themselves and their loved ones healthy and safe! While we prepare our workplaces and homes…
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Car Shopping and Inquiries
So you want to buy a car? Great! Do you plan to shop around to find the right car and get the best deal? Even better! You’re doing everything right, but at the end of…
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What You Need to Buy a House in 2020
You are about to embark on one of the most amazing and rewarding experiences that can ever come from spending money: buying a home. If you are trying to figure out where…
Read more →Alert! Alert! Bank Alerts!
Did you know that most major banks offer some kind of digital alert system? Whether via email or phone notification, you can use bank alerts to prevent overdrafting and…
Read more →Three Ways to Keep Cards Working for You!
Most credit card companies rely on customers who either rush into a card without being prepared or diving into how their cards work. Here are some tips to not be taken…
Read more →Three Reasons to Have a Credit Monitoring Site
Even if you’re only signing up for complimentary one (such as Credit Karma) or an annual one, it’s smart to have a subscription to consistently monitor your credit and…
Read more →Three Myths About Credit That Hold You Back!
There are a few misconceptions about credit that stop you from reaching goals. Here are a few common ones: 1) Credit Cards are Bad When paid on time, with preferably…
Read more →Four Purchases on Credit That Hurt the Most!
1) Hospital Bills Usually done on credit because they’re priciest and most common, they also don’t offer many good deals on interest grace periods and are often very…
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Why Do the Credit Bureaus Report Different Scores?
When looking through your latest credit report, you may find that each credit bureau may report different scores. Not only that, if you look even closer, it may even…
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Why Am I Getting So Many Prescreen Offers in the Mail?
One day you are checking your mailbox and it’s full of nothing but credit card and loan offers saying that you are already approved. This happens day after day, and you…
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When is the Best Time to Start Getting Social Security Benefits?
You’re coming to the point where you feel like you can finally retire and escape the daily grind and get some well-deserved rest. But is there a best time to start…
Read more →Make Billing Dates Work On Your Schedule
Managing finances and working with different lines of credit can both be huge hassles. But there’s no need to let the stress of managing multiple billing dates between…
Read more →Inquiries: Why Are They on My Credit Report?
When looking at your credit report and through your credit history, you may notice a few things near the end called inquiries. Inquiries are when a creditor, lender, or…
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