I have been cautioned against taking a "line of credit" to pay off high interest credit card balances. Instead, I have been encouraged to keep using the 0% interest credit card offers for as long as it is offered at zero %. These cards are a dime of dozen these days.
As with anything in life, [...]

If someone could point me in the right direction or knows some resources online for credit restoration I would appreciate it. Thanks
Go to the city Treasurer to see if you have to pay tax. They will guide you also about the license. THe Secretary of State will handle the licensing if it is [...]

I have heard this is a good way to remove a BK. See below. Has anyone tried this?
Unlike other negative information which stays on your credit report for 7 years, bankruptcy can be reported for up to 10 years.
Bankruptcy courts keep cases active for a period of two years before placing them on [...]

They charge about $1,000 and do all the letters, typically certified, including making the original creditor validate there information for accuracy. Yes I know I can do it myself. I estimate with studying, learning and aggressive calls I probably would have twenty to fourty hours over the next year invested. Rather have a professional [...]

I want to make a new years resolution to pay off my credit cards, and I want to close them out to make sure I don't get tempted to use them. Will that look bad on my credit score if I close them out, when they still have a balance? Also, do they carge extra [...]

Over five years ago, I worked for a large company that required full background checks. The HR mgr gave me a copy of my background report. She advised me to investigate if I was a victim of ID theft because the credit history part of my report listed someone's name who had used my SS#. [...]

My fiance and I got in a little disagreement a little while ago about how long collections stay on a credit report.
He says that after 7 years they will be removed from a persons credit report – whether they are paid or not.
I disagree with that. Why would collection agencies just "give up" trying [...]

My husband and I would like to try one.
Thanks!
For starters, "credit counseling" will count roughly as much as a "home repossession" on your credit report.
On top of that, the counseling agencies can't do anything you can't do yourself for free.
What you really need is to take control of your own finances … budgeting, trimming expenses, [...]

Hi everyone.
I've been spending alot of time contemplating credit score issues and I am now considering applying for 4 new credit cards at once. However, I plan on never activating the cards for use or charging anything to the accounts.
I know my score will take a big hit for this one day of hard [...]

Can anyone tell me any good resource for credit repair business? I am looking for the information related to it.
A credit repair business will charge you money you don't have to do things you can and should do yourself for free.
The Federal Trade Commission (FTC) has excellent resources for you to know your rights, and [...]