Credit 101

  • What is a 609 Dispute Letter and Does it Work?

    There’s nothing worse than finding inaccurate information on your credit report, especially if it’s dragging your credit score down. Fortunately, you can challenge inaccurate items […]

  • What Is the FICO Resilience Index?

    By the end of May 2020, more than 40 million people had filed unemployment claims due to COVID-19 and the resulting economic shutdowns. Governments, charities, and even creditors scrambled to put programs in place to support people during this time while also mitigating future economic fallout. And this isn’t the first time creditors have found… Read More

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  • How Long Do Hard Inquiries Stay on Your Credit Report?

    Your credit report offers valuable insight into your financial history and affects most of your financial future. Everything from whether you get approved for a mortgage to what your credit card interest rate will be balances on your credit score. Negative information on your credit report can be detrimental for years. Wonder how long hard inquiries stay on your credit report?… Read More

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  • Habits of The 800 Club — The Path to Perfect Credit

    What do you know about the 800 Club? Find out exactly what the 800 Club is, the benefits club members get and what you can do to become a member yourself.

  • Charged Off as Bad Debt: An Explainer

    Making payments late or missing payments completely spells bad news for your credit rating. When you miss too many payments, your creditor may charge off the debt. When your debt is charged off as a bad debt, don’t fool yourself into thinking it goes away. A charged off debt can lead to harassing phone calls,… Read More

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