In May of 2009, the U.S. Congress passed the Credit Card Accountability, Responsibility and Disclosure (or Credit CARD) Act. While certainly not everything that consumer advocates have wanted, this new law offers a number of valuable safeguards for credit card users. Read more

How to Monitor Your Credit Report: The Advantages and Disadvantages of Three Different Strategies

Although there seems to be much greater awareness now about the importance of checking our credit reports periodically, many people still aren’t sure about exactly how to monitor their credit. In this article, I will identify three different ways in which consumers can monitor their credit, and Read more

Why You Should Monitor Your Credit Report on a Regular Basis

Are you monitoring your credit on a regular basis? If not, then you should be. There are two main reasons why it is so important that you do so.

First of all, regular monitoring is advisable in order to ensure the accuracy of your credit report. The information contained in your report can directly affect many different aspects of your life. Read more

How to Improve Your Credit Score: Common Myths and Misconceptions

By Art Garmon, Ph.D.

Because credit scores have become such an integral part of our financial lives, it is important that we understand what they’re all about. Unfortunately, however, one survey has revealed that there are many Americans who don’t really understand credit scores or how they work. Read more

Do I Need to Fix My Credit?

How do you know whether or not you need credit repair? Well, if your applications for loans and credit cards are being turned down repeatedly, then obviously your credit needs fixing. For many people, though, the need for repairing their credit is much less obvious. Read more

Do It Yourself Debt Settlement - A Viable Alternative to Debt Settlement Companies Or Bankruptcy

By Ian Stanton

Do It Yourself Debt Settlement also known as Self Help Debt Settlement is a viable alternative to resolving your debt. The dirty little secret Debt Settlement Companies do not want you to know is: They charge you thousands of dollars for a service that you can accomplish yourself. Hiring a debt settlement company is like Read more

Credit Repair: the Time for Action

Jump In With Both Feet

The moment you make the decision to start the credit repair process you will feel great; empowered, light, and hopeful. For many people it is a hard step. There may be uncomfortable emotions associated with past credit issues, and revisiting old events can be difficult. But there is nothing more rewarding than regaining control over your life. Read more

9 Questions You Need to Ask Yourself Before Pursuing Debt Settlement

By John Janney

It’s no secret that Americans are struggling financially. Massive layoffs, inflation, unaffordable healthcare, skyrocketing gas prices and hiked-up interest rates on credit card accounts are plunging millions of consumers to the brink of bankruptcy. However, many of the would-be bankrupt are turning to a less drastic solution to their debt problems: debt settlement. Read more

Gearing Up for Credit Repair