Mark Andrade

The Implications on How Your Credit Score is Calculated

Your credit score is included on most credit reports viewed by creditors and potential creditors. It is essentially a numerical calculation that indicates your creditworthiness and the risk you might default on your payments. Your ability to get a loan an... Read >

Reviewing Your Credit Report - What You'll Find

Your credit report contains a snapshot of information about you and your credit history and can have a major impact on your life. Although each credit reporting agency formats and reports this information differently, all credit reports contain basically ... Read >

Debt Management - An Easy Way to Relieve Money Problems?

You've seen the ads claiming to offer easy solutions to your debt problems. If you're struggling, they may even be hard to resist. But pursuit of these offers often just serves to waste your limited resources and jeopardize whatever measure of stability y... Read >

There's No Mystery to Improving Your Credit Score

You cannot legally remove accurate and timely negative information from a credit report - no matter how often you may have heard otherwise. But if you choose to dispute information you deem inaccurate or incomplete on your credit report, you have the lega... Read >

Do Yourself a Favor and Fix Your Own Credit Report

You can save money and avoid potential scams by developing your own personal debt repayment plan to improve your credit report and credit score. Making use of legitimate low cost or no-cost resources to do your own credit repair can help you achieve bette... Read >

How to Find Reliable Debt Settlement Help

While it's fairly simple to negotiate with creditors for a change in payment terms, many people just can't bring themselves to do it. In general creditors like to hear from people who expect to have problems paying their bills - prior to missed payments. ... Read >

Get Control of Your Debt or It Will Control You

We have a culture of debt in this country and for many it has become a huge problem in our current economic climate. For years, it was almost a rite of passage to saddle yourself with car payments, mortgage payments, and credit card payments beginning at ... Read >

Using a Quick Fix to Clean Up Your Credit Report Can Do More Harm Than Good

Trying to clean up your credit report with improbable claims from credit repair services can ultimately cause more harm than good. In general, you need to be wary of anyone who promises you quick debt relief and easy fixes to your credit report. Following... Read >

Common Myths About Credit Cards That Could Cost You

There are several widely accepted myths about credit cards that can cost you a small fortune if you're not careful. These myths are not easy for the average person to research and either verify or refute. However, acting on the following beliefs can yield... Read >

Control Your Emotions When Trying to Solve Debt Issues

Pressing financial problems invariably lead to a lot of stress. It is hard to react rationally when worrying about unmanageable debt or you're facing potential black marks on your credit report. But the last thing you want to do is panic or give in to fee... Read >

Don't Let Outstanding Debt Get the Best of You - Avoid a Debt Snowball

It is important to deal with a debt emergency immediately to avoid having your situation get out of control. If your financial problems are putting your home, health, or transportation at risk, the best plan is to face these issues head on before things g... Read >

Negotiate Debt Cancellation on Your Outstanding Debt to Alleviate a Debt Crisis

It can be somewhat scary and intimidating to approach your creditors to negotiate a reduction, extension, or some other type of debt repayment plan. However, if you follow a few simple steps, the debt settlement process can be very straightforward and rea... Read >

Negotiate Your Own Debt Cancellation If Your Financial Problems Have Gotten Out of Control

Individuals are most vulnerable when facing bills that are past due and they don't know how they're going to pay them. If you find yourself in this unfortunate situation it is important to be careful and not allow yourself to feel intimidated by creditors... Read >

Strategically Deal With Collection Agencies for Best Results

If you ignored or missed creditors phone calls or letters, or failed to make payments as promised on a renegotiated payment agreement, your account was probably turned over to a collection agency. It is important to understand how collection agencies oper... Read >

The Fair Credit Billing Act Gives Consumers Rights When Trying to Resolve Credit Issues

If you are struggling to pay your debts every month, the last thing you want to do is pay more than you owe or pay for inferior products. Consumers that find themselves in this boat must follow a formal process to dispute erroneous credit card charges. ... Read >