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Nine Ways to Say the Same Thing: How Long Derogatory Information Stays on Your Credit Report

The world of credit is positively chock-full of terms, acronyms, and industry-related jargon that might not make much sense to the untrained eye. Many terms are

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I Think My Data Was Hacked in the Equifax Breach: Now What?

The last 24 hours have seen quite the whirlwind of credit-related activity. Equifax announced on September 7th that they were the victims of a massive data

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What Is the ‘Right’ Number of Credit Cards?

One of the most common credit-related questions I’m asked has to do with the “right” number of credit cards. And I’m clearly not alone. If

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Did You Hit the Credit Score Jackpot This Summer?

This past spring, the Consumer Data Industry Association (CDIA), the trade association representing the three major credit reporting agencies (CRAs), announced some big credit reporting

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Should You Send Your Kid to College With a Credit Card?

Sure, I acknowledge this may seem like a pretty silly question. After all, why in the world would you send your 18-year-old off to school

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Three Ways to Improve Your Credit in 30 Days

Improving your credit generally takes hard work and a whole lot of patience. That being said, there are a few credit improvement strategies that can

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What Your Credit Score Is Trying to Tell You

Have you developed the habit of regularly checking your credit reports and scores? If so, kudos to you. You’re already doing a better job monitoring

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There Are Some Debts Even Bankruptcy Can’t Erase

Do severe financial issues have you fantasizing about a silver bullet that can make all your debts vanish? While it’s not exactly that easy, a

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Strange Reasons Your Credit Score Could Change

Credit scores aren’t static. They don’t rise and fall like temperature. No, credit scores are simply a snapshot evaluation of your credit report information at

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Does Taking on More Debt Boost Your Credit Score?

It’s well known that earning and maintaining good credit is to your benefit. Perhaps because our credit scores have such a big impact on our lives, credit

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Three Credit-Boosting Ways to Tackle Credit Card Debt

Does the idea of taking 20 or more years to pay off $10,000 worth of credit card debt sound appealing? Does the thought of paying

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When Using Other Loans to Pay Off Student Debt Is a Good Idea

Most college students barely stop to think about the impact student loan debt may have on them in their future. After all, they’re looking for

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Five Perks of Having Good Credit

When it comes to your credit scores, the higher they climb, the better. But you probably already knew that. Of course, you may be able

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Should You Use a Personal Loan to Pay Off Credit Card Debt?

Drowning underneath a pile of expensive credit card debt? Don’t have the cash to write a big check to pay it off? Are the maxed-out

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Spring Cleaning for Your Credit

As the weather warms in spring, you might give your home an annual deep clean to clear out the remnants of winter. But I believe the

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These Are Your Rights Under the Fair Credit Reporting Act

You may already know that you have the right to claim a free copy of your credit report once every 12 months. You might also know

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About to Buy a House? Put Your Credit on Lockdown

Buying a house can be both an exciting and simultaneously stressful experience. One reason the home buying process tends to be so stressful for many consumers

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When Is It Safe to Close a Credit Card?

You work hard to maintain good credit scores, but the truth is that even one seemingly innocent mistake has the potential to undo your efforts.