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

Looking to raise your credit score - and fast? While great credit takes time to…

John Ulzheimer
John Ulzheimer
Nov 14, 2019
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
Nov 13, 2019

Building Credit

How to Build Credit

When people ask how to build credit, the “chicken or the egg” conundrum immediately comes…

Holly Johnson
Nov 12, 2019
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 2019

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

Heather Catalano
Heather Catalano
Nov 14, 2019
Best Credit Report Site for 2019

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

Nicole Dieker
Nicole Dieker
Nov 14, 2019
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
Nov 14, 2019
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
Nov 14, 2019
A 12-Month Plan to Raise Your Credit Score in 2019

Are you ready to finally gain control of your credit scores in the new year?…

John Ulzheimer
John Ulzheimer
Nov 14, 2019

Credit Monitoring

Best Credit Monitoring Service for 2019

In a digital world awash in data, identity theft is only growing more commonplace -…

Michael Gardon
Michael Gardon
Nov 14, 2019
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
Nov 14, 2019

Debt Relief

Best Debt Settlement Companies for 2019

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

Saundra Latham
Saundra Latham
Nov 13, 2019
Best Debt Management Companies for 2019

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

Saundra Latham
Saundra Latham
Oct 28, 2019
Should I Consolidate My Debt?

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

Nicholas Pell
Nov 13, 2019

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

For most people, the key to rebuilding credit after bankruptcy is using a secured credit…

Nicholas Pell
Nov 14, 2019
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
Oct 28, 2019
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