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Updated on Dec. 23, 2025
How to Do a Credit Report Clean Up (Step-by-Step)
Credit report clean up involves three main steps: pulling your credit reports from all three bureaus, identifying errors or negative items, and disputing inaccurate information through formal processe...
Updated on Dec. 21, 2025
How Fast Can I Increase a 450 Credit Score?
A 450 credit score can increase to 580-600 (Fair range) in 3-6 months with aggressive action, or reach 650-700 (Good range) in 12-24 months with consistent positive habits. How Fast Can You Improve...
Updated on Dec. 18, 2025
Can Credit Unions Take Your House For Unpaid Loans?
Yes, credit unions can foreclose on your house if you default on a mortgage or home equity loan. But here's the shocking part: some credit unions can also take your house for unpaid credit card debt o...
Updated on Dec. 18, 2025
Student Loan SAVE Plan Ending: What It Means For You
The SAVE student loan repayment plan is ending. On December 9, 2025, the Department of Education announced a settlement agreement with Missouri that terminates the program, affecting over 7 million bo...
Updated on Dec. 18, 2025
Mortgage Credit Score Requirements Are Changing: What You Need To Know
Major mortgage credit score requirements just changed in November 2025. Fannie Mae eliminated its 620 minimum credit score requirement, and lenders can now use alternative credit scoring models that c...
Updated on Dec. 18, 2025
What Does CLS Mean On Your Credit Report?
CLS stands for "Closed" on your credit report. It means a credit account is no longer active for new transactions.But here's what most people don't realize is that CLS appears whether YOU closed the a...
Updated on Dec. 16, 2025
Household Debt Nearing Great Recession Levels: What It Means For You
We're at a turning point in household finances.For years after the Great Recession, Americans were careful with debt. Credit card balances dropped. Personal savings increased. Financial discipline bec...
Updated on Dec. 16, 2025
Why is Alorica Inc. Calling Me About a Debt I Don't Know
Have you tried answering a call from someone claiming to be Alorica Inc.?Your phone rings. The caller ID shows an unfamiliar number. You pick up, and someone says they're calling about a debt. But her...
Updated on Dec. 13, 2025
What Happens If I Missed Paying PayPal Loans?
PayPal Loans come in several forms, and missing even a single payment triggers immediate consequences that escalate quickly. Whether you have Pay in 4, Pay Monthly, or PayPal Credit, the platform oper...
Updated on Dec. 13, 2025
Beat NCO Financial Systems: Expert Tips to Handle Debt Collectors
Receiving a call from NCO Financial Systems can send a wave of anxiety through anyone dealing with debt issues. Despite being a legitimate debt collection agency founded in 1926, NCO Financial has dev...
Updated on Dec. 13, 2025
Got Acceptance Now Collections? Here's What You Need to Know Today
Discovering Acceptance Now collections on your credit report can be alarming, especially considering that 79% of credit reports contain mistakes or serious errors. Unfortunately, this collections acco...
Updated on Dec. 11, 2025
Renting an Apartment With an Eviction: What You Should Know
Renting an apartment with an eviction is incredibly difficult, and it’s one of the biggest reasons many Americans struggle to find stable, comfortable housing. An eviction on your record creates one...
Updated on Dec. 11, 2025
Who Is Waypoint Resource Group, and Why Are They Contacting Me?
Waypoint Resource Group is a third-party debt collection agency that purchases charged-off accounts from original creditors and attempts to collect on those debts. If they're calling you or appearing ...
Updated on Dec. 10, 2025
Can Bad Credit Keep You From Getting A Student Loan?
Can Bad Credit Block Your Student Loan?The short answer: No. Bad credit won't prevent you from getting student loans. Federal student loans don't require credit checks for most borrowers, and private ...
Updated on Dec. 10, 2025
Atlas Credit Card: Complete Guide & Reviews
Atlas Credit might be the answer if you are looking to build credit. This guide covers everything you need to know about the Atlas Credit Card, from how it works to real customer reviews. At a glan...
Updated on Dec. 09, 2025
The December Spending Trap: Why We Ignore Interest Rates During the Holidays
Here's something wild: You probably care more about your morning coffee temperature than your credit card interest rate right now.It's December. Your brain is basically mush when it comes to financial...
Updated on Dec. 09, 2025
What’s Enterprise Recovery Systems and How Do They Collect Debt?
Enterprise Recovery Systems (ERS) is a debt collection agency that contacts people about unpaid debts. When they appear on your credit report, your score can drop significantly.This guide explains who...
Updated on Dec. 09, 2025
What Is Home Depot/CBNA on Your Credit Report?
Seeing "Home Depot/CBNA" on your credit report confuses many people. This entry comes from the Home Depot Consumer Credit Card program managed by Citibank, N.A. (CBNA).When this account shows negative...