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Signs You Could Need Professional Credit Repair Help

November 9, 2018 Shawn Lane Consumer Credit Expert Bad credit is not only embarrassing and frustrating, it can also close a lot of doors. With bad credit you could have a difficult time qualifying for loans, landing a job, securing affordable insurance coverage, or even providing a place to live for yourself and your family. In addition to all of …

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Free Credit Freezes: Do You Need Them?

There is no surefire way to keep your personal information safe and protected. The Equifax Data Breach of 2017 alone exposed the sensitive, personal information of some 143 million consumers in the US. The Under Armour data breach, which occurred in the spring of 2018, exposed another 150 million consumer records as well, including the records of many users of …

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How to Rebuild Your Credit After a Bankruptcy

Bankruptcy has its pros and cons. Chances are that you considered the facts, weighed your options, and did not choose to file bankruptcy lightly. Although bankruptcy can certainly hurt your credit, filing for bankruptcy does not mean that you have to be stuck with horrible credit forever. There are steps that you can take to begin rebuilding your credit right …

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How Co-Signing Impacts Your Credit

Most credit questions asked of me can be answered exactly the same. “It depends…” Question: How will an inquiry impact my credit? Answer: “It depends” Question: How will opening a new credit card impact my credit? Answer: “It depends” Asking how co-signing impacts your credit is no exception. The effect which co-signing for a loved one is going to have …

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3 Steps to Overcome Identity Theft

Identity theft isn’t a 4-letter word, but it probably should be. If you have ever been a victim of identity theft then you are sure to agree. It is a scary unsettling crime, which can haunt you for many years, unless you take control of the situation. What Is Identity Theft? Identity theft occurs whenever someone steals your personal identifying …

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Why Paying Your Credit Card On Time Isn’t Enough

Basic credit common sense tells you that paying your bills on time is essential to maintaining a good credit rating. What you may not realize, however, is that your payment history is only one component of good credit. Payment history absolutely matters, but keeping your payments on time alone is not enough to earn and keep great credit scores. Great …