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What affects a credit score? When people think about credit repair, they think about removing negative items from their credit report.  While negative items on your credit report can hurt your credit score for up to 7 years or more, it is important to not only repair your credit but to rebuild and improve it…

Paid vs Unpaid collections You forgot to pay a debt.  Maybe you didn’t have the money at the time to take care of the debt and hoped after a while it would go away.  Chances are that wasn’t the case.  Now you find yourself with a collection agency calling and writing you to collect the…

8 Steps to Buying your Dream House Buying a house is a dream for many people.  There’s no definite guideline as to how you can buy a house. Things differ from one state to another. This list provides a general overview of the whole buying process. Make sure you research on what different steps are…

With the rise in credit repair company scams, most people would think twice before they go for their services. But why let a few people dissuade you from planning out your repayment plans. There’s no doubt that certain scammers in the business have given a bad reputation to the whole industry, but if you fall…