Credit and Debt Management Simplified

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Credit and debt management can be complicated, we’re here to help make it simple. Check out our resources below for help with credit repair, building your credit from scratch, understanding credit scores, figuring out what to do after bankruptcy and more.

Credit Repair

Credit Repair Manual

If you have poor credit, it’s easy to be tempted by promises of quick fixes.…

Saundra Latham
Saundra Latham
Nov 14, 2019
Three Ways to Raise Your Credit Score Fast

Learn how to quickly increase your credit score in three easy steps, starting with pulling…

John Ulzheimer
John Ulzheimer
Mar 20, 2020
Don’t Fall for These Credit Repair Scams

Have you ever struggled with credit problems? If so, chances are you’ve probably wished, at…

John Ulzheimer
John Ulzheimer
Apr 3, 2020

Building Credit

How to Build Credit

Building good credit is not hard if you know what steps to take, what the…

Jason Lee
Jason Lee
Jun 26, 2020
How Long Does It Take to Build Credit From Scratch?

Everyone starts out with a blank slate when it comes to their credit reports. The…

John Ulzheimer
John Ulzheimer
Nov 12, 2019
UltraFICO vs. Experian Boost: Two New Ways to Build Credit

Two recent credit announcements are attracting the attention of consumers and financial institutions alike. That’s…

John Ulzheimer
John Ulzheimer
Nov 13, 2019

Navigating Credit Reports

Best Free Credit Report Site of 2020

Is a credit report the same as a credit monitoring service? Learn the different with…

Heather Catalano
Heather Catalano
May 5, 2020
Best Credit Report Site for 2020

Your identity and credit are the foundations of your financial life. Stay protected and in-the-know…

Nicole Dieker
Nicole Dieker
May 5, 2020
Why You Need to Check Your Credit Report With All Three Credit Bureaus

It is easier than ever before to keep a close eye on your credit reports.…

John Ulzheimer
John Ulzheimer
Nov 14, 2019

Understanding Credit Scores

What Is a Good Credit Score Range?

Independently researched content by us. Free financial advice for you. To do that, we may…

Saundra Latham
Saundra Latham
Jun 16, 2020
What is My Credit Score?

Who's Keeping Track of your Credit History? How can you Improve it? What Qualifies as…

Hal Bundrick
Hal Bundrick
Apr 2, 2020
A 12-Month Plan to Raise Your Credit Score in 2020

Raising your credit score is possible through a detailed and step by step credit score…

Jason Wesley
Jason Wesley
Apr 3, 2020

Credit Monitoring

Best Credit Monitoring Service for 2020

The best credit monitoring services spot early signs of identity theft and alert you to…

Kristie Kwok
Jul 6, 2020
Capital One Credit Tracker Now Available to Everyone as ‘CreditWise’

While knowing your credit score is an essential component of any financial plan, this number isn’t…

Holly Johnson
Nov 14, 2019
Why Credit Monitoring Won’t Protect Your Identity from Being Stolen

Keeping your personal information out of the hands of people with bad intentions is, unfortunately,…

John Ulzheimer
John Ulzheimer
Feb 20, 2020

Debt Relief

Best Debt Settlement Companies for 2020

To narrow your list options for debt relief, take a look at the best debt…

Saundra Latham
Saundra Latham
Jul 1, 2020
Best Debt Management Companies for 2020

Debt management is one of several debt-relief options for those who are struggling to keep…

Saundra Latham
Saundra Latham
May 7, 2020
Should I Consolidate My Debt?

The average American is carrying $5,284 in credit card debt, according to an analysis of Federal…

Nicholas Pell
Apr 29, 2020

Debt Collection

Expose a Fake Debt Collector by Asking These Three Questions

By Craig T. Kimmel It’s late and your phone is ringing off the hook. The caller…

TSD Contributor
Oct 28, 2019
Credit FAQ: What’s the Difference Between a Charge-Off and a Collection?

The credit world is full of myths and misconceptions: Credit scores are used by employers.…

John Ulzheimer
John Ulzheimer
Nov 13, 2019
How to Handle Debt in Collections and Pay Less Than You Owe

Debt collectors often make an already stressful situation — feeling stalked by past debts — a lot…

Carrie Smith
Oct 25, 2019

Bankruptcy

Seven Things to Know When Filing for Bankruptcy

Filing for bankruptcy is often seen as a scary but necessary option. But it’s important…

Carrie Smith
Oct 28, 2019
Rebuilding Credit After Bankruptcy

These seven key steps will put you on the right path toward rebuilding your credit…

Jessica Walrack
Jessica Walrack
Apr 6, 2020
When Does It Make Sense to File for Bankruptcy?

Bankruptcy should be avoided whenever possible, but there are times when people who are overwhelmed…

Emmet Pierce
Oct 28, 2019

Managing Your Debt

11 Ways to Get Out of Debt Faster

If you're in debt, you've got company -- most Americans spend more than they earn.…

Holly Johnson
May 15, 2020
The Best Debt Repayment Tools and Apps

The first major step toward reaching financial freedom is to regain control of your spending…

Carrie Smith
Oct 28, 2019
The Emotional Effects of Debt

Whether it’s considered “good debt” or “bad debt,” the truth is, any debt can cause serious…

Kristen Kuchar
Oct 28, 2019