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from Allison Lindstrom | Frugal on the Prairie

How to Get in the 800+ Credit Score Club

Looking for ways to build your credit score? Hoping to join the 800 Credit Score Club? Check out my best tips for improving your score!


How to Pay Off Charged-Off Debt

Most lenders and creditors write off an account as a bad debt six months after it becomes delinquent. That doesn’t get you off the hook for paying the money you owe, as the debt will appear on your credit report as a charge-off. The creditor can then turn the account over to a collection agency. Although settling an old debt can lower your credit score, it is smart to pay off the debt if you want to apply for a home loan.


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How To Clean Up Credit Report ... One of the best ways to improve your credit score is to clean up your credit reports, and remove derogatory, damaging, listings. This information is what's bringing down your score.


9 Secrets Your Debt Collector Doesn’t Want You to Know

9 SECRETS YOUR DEBT COLLECTOR DOESN’T WANT YOU TO KNOW - Here are 5: 1. You are not obligated to communicate with collection agencies. 3. Paying it off won’t wipe it from credit reports. 6. You may be able to negotiate best deal at end of month. 7. You may be able to work with original creditor. 9. You may be off the hook - statute of limitations reduces legal remedies available to collect it. In most states, statute of limitations runs 4-6 years from date last made payment.

from Creditinfocenter Blog

3 Steps To Using Secured Credit Cards To Rebuild Credit

By putting down a cash deposit with a credit card company, you can secure a line of "credit" that gets reported to the major credit reporting agencies. Utilize the card to your best advantage and it's pretty much guaranteed to help improve your credit score.


Your credit history is a very important part of your financial life. It can determine whether you can buy a house or a car, and how much you'll pay for it. There are many credit repair services that can help you raise your credit score; but there are just as many scams. Find the best credit repair companies that are sure to get results! Our recommendations can definitely help get you choose the best!