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Credit Info Center
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Educational Website Devoted To DIY Credit Repair, Debt Settlement & Financial Planning
Educational Website Devoted To DIY Credit Repair, Debt Settlement & Financial Planning

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Proving Your Love: Password Sharing?

Yes, it’s important for the people we love to know we trust them. But can’t we do that without sharing our passwords? Today’s teens and young adults don’t seem to think so, as the FTC says password sharing is a growing trend among them.

#consumerprotection
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Credit Repair Cost: What You Can Expect and What You Can Avoid

If credit repair cost has you thinking twice about the process, get ready to feel much better about it.

When you repair your credit yourself, the expense is far more manageable than you might think. Though there are costs ranging from the price of postage to paying off debt, you do not need to pay for credit repair services or some other things associated with the process.

Get the facts about expenses you can expect and ones you can avoid.

#credit #creditrepair #personalfinance
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What Does a Landlord Credit Check Show

Are you worried about what a potential landlord is going to see when they check your credit?

Check out this breakdown of how landlords (and property management companies) check your credit, what they see, and what they care about.

We’ve also included a list of things you can do — like DIY credit repair — to positively impact what comes up in a landlord credit check.

#credit #housing
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Rewards Credit Card FAQs: How They Work & How to Choose

Done right, rewards credit cards can be lucrative and help repair bad credit. Done wrong, they can be costly and distract you from a different type of card better suited to your needs. So before you apply, get the facts first.

How do cash, points, and miles rewards work? How do you compare cards and choose the best one? What kind of credit do you need to qualify?

Get answers to these and other commonly asked questions about rewards credit cards.

#credit #creditcards #personalfinance
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Your ChexSystems Report and Score: What You Need to Know

Whether you have a charged-off bank account or you’ve never bounced a check in your life, ChexSystems needs to be on your radar.

This consumer reporting agency not only collects information on your banking activity, but can also show evidence of fraudulent bank accounts opened in your name. This not only affects your ability to open bank accounts in the future, but could impact credit applications, so checking your ChexSystems report and score is an important step in the credit repair process.

#banking #credit #ChexSystems
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Credit Builder Loans: How They Work & How to Get One

Taking out a small personal loan can be a good strategy for repairing bad credit or bulking up thin credit. What’s not so clear is how bad credit or thin credit will allow you to do that.

Credit builder loans might be the answer, typically ranging from $500 to $1,500. When secured by loan funds or collateral, credit builder loans do not rely on your credit for eligibility.

And provided you pay as agreed, they help build your credit score.

#credit #financing #creditrepair
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How to Build Credit for Your Business

After building good consumer credit for yourself, if you own a company, the next step is building good credit for your business. Find out how consumer credit plays a role in that, what business credit reports and scores look like, how to check them, and good credit-building practices.

#smallbiz #credit
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Charge Off on Credit Reports? What It Means (and How to Fix It)

Whether it’s a new listing or something that’s been on your credit reports for years, a charge off is cause for concern. It not only does major damage to your credit score, but likely means dealing with aggressive debt collection efforts, including the possibility of a lawsuit.

Your best line of defense?

Learning all you can about what a charge off actually means and what you can do to fix it during the credit repair process.

#credit #creditrepair
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Consumer Credit Protection Act: What You Need to Know

What if you didn’t know what credit was going to cost until you got the bill? What if errors could stay on your credit reports with no dispute process? What if debt collectors could use whatever means they wanted to collect from you? What if they could garnish as much for your wages as they saw fit? What if credit repair companies could lie to you about what they’re able to do?

Well, you’d be in a real financial mess with your credit repair options limited, if not non-existent. This is what makes the Consumer Credit Protection Act so groundbreaking and essential.

#credit #creditrepair #consumer protection
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Credit Unions: How They Work & How to Join (It’s Easier Than You Think)

All the hype you’ve heard about credit unions is well-earned. It’s the reason we’ve seen growth at more than three times the rate of credit activity among consumers of other lender types. And it’s the reason you need to know how credit unions work and how to join one, which is easier than you might think.

Whether it’s better customer service you’re looking for, or better chances of getting a loan when you’re trying to repair your credit, get the facts about how a credit union could be just what you need.

#CreditUnions #banking #credit #creditrepair
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