Sub-Prime Merchandise Cards – The Cards That Actually Work For You

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Sub-prime merchandise cards are a cost-effective and powerful tool to increase your credit limit and decrease your debt-to-credit ratio. Like the 'traditional' credit cards, these versatile cards report to one or more of the major credit bureaus each month. If you are interested in credit...

Should You Hire A Credit Expert To Help Clean Your Credit?

Why should you hire a credit expert to help you to clean up your credit? Are there any advantages to hiring a credit expert? Actually there are some definite benefits and advantages to hiring a professional for credit repair services is if you are drowning...

Three Credit Repair Scams and Myths

There are many credit repair scams and myths out in the world right now. Besides the common scam of using a person who isn't even licensed or certified to help you (always search Illinois licenses before you choose), there are some other scary ones...

Six Biggest Credit Mistakes

The current economy has wreaked havoc on many people. Many people, even those who previously had stellar credit, have seen their credit scores plunge and they are still suffering the effects of bad times with bad credit. But there is hope. There are some things...

Your Credit Rating and Bankruptcy

There is a prevalent myth out there that bankruptcy is bad, really bad. Not to say that?bankruptcy is good (of course it is not) but how bad is it really? The truth is that once you file bankruptcy, it can remain on your credit report for...

You May Need To Repair Your Credit Eventually

Scenarios like this one play out in the United States everyday. You are ready to buy a car. You are planning to finance it so you allow the dealer to run your credit report. He comes back and tells you that he cannot give you...

Financial Life Is Easier With High Credit Scores

Most people will experience a credit problem or two in their lifetimes as very few people can escape all of these problems. Credit is typically a necessary and required fact of life. The majority of people will require credit for the purchase of the larger...

Should You Dispute Bad Credit?

As young adults, we are taught many things. But one lesson most of us are not taught is something that will ultimately affect our entire lives. Unless we learn the importance of earning and maintaining a good credit score, life can end up really hard....