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How Do I Get Collections Removed From My Credit Reports?

When you default on a credit obligation the original creditor will try to collect it from you directly. After enough time has passed, they’ll grow tired and either consign the debt to a collection agency, or sell it to a debt buyer.  At this point you’ll likely start getting letters and phone calls from collection… Read More

What You Need to Know About Protecting Your Child From ID Theft

Both you and your spouse are diligent when it comes to protecting yourself against identity theft. You check your credit reports regularly and make sure there aren’t any suspicious charges on your credit cards after each billing cycle. It’s never occurred to you, however, that your son or daughter’s identity could be stolen. According to… Read More

Why Do Southerners Have the Lowest Average Credit Scores?

Let me start by saying that I’m not thrilled to be writing this story.  As a resident of the state of Georgia since 1979, it pains me to have to be the one who points this out: people who live in southern cities have lower average credit scores than those who do not. Just how… Read More

New FICO Score Coming Soon to a Credit Bureau Near You

Today Fair Isaac, the company behind the FICO credit scoring system, announced the latest generation of their credit scoring software. The new suite of FICO scores, called FICO 9, is a standard redevelopment of their commonly used credit scoring models. FICO 9 models will become commercially available this fall and will assess collection accounts differently… Read More

Ask the Expert: Why Do I Have So Many Different Credit Scores?

After getting inaccurate and conflicting information a reader wrote in looking for clarification and an accurate answer about why we have so many different credit scores. John Ulzheimer, credit expert for Credit Sesame, explains. “John, I’m confused about why I seem to be getting different credit scores from different sources.  I was able to get… Read More

Links We Love: 28 of the Biggest Money Wasters

Taking a look at the best personal finance news, tips and advice from others on the web! This week we’re highlighting 28 of the biggest money wasters according to real people (on reddit!), why the “fear of missing out” and “you only live once” philosophies are keeping you from getting rich, the surprising link between… Read More

When Should You Teach Your Child About Credit?

If you’re not teaching your child about money, you should be. But at what age should you begin teaching your child about credit? Children can learn age-appropriate money lessons starting from about the age of 3. Credit is a more complicated concept that may be introduced around age 11 and developed continuously until your child… Read More