The Range of Poor to Excellent Credit Scores and What It Means for Your Finances
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Thursday September 10, 2020
Credit and Credit Scores
Why don’t I have a perfect credit score?
Q. I have a credit score of 670. I don't understand why it is so low. My wife and myself own a home with no mortgage. I have been emplo...
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Tuesday August 18, 2020
What You Need to Know About Bankruptcy Credit Counseling and When to Consider It
If you are considering filing for bankruptcy, you need to know about an important requirement: credit counseling. It may not be the first thing that comes to mi...
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Tuesday July 28, 2020
If You Need Credit Card Relief, Know the Options and Risks
As the COVID-19 pandemic interrupts incomes and tightens family budgets, many Americans have been looking to credit card hardship progr...
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Friday July 10, 2020
Should I cancel a credit card if I get a new one? How will this affect my credit score?
Question: I have 3 credit cards that I have paid off. If I was to accept an offer from another credit card company that offers...
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Thursday July 2, 2020
How to Negotiate Debt Settlement on Your Own and the Impact to Your Credit Score
If you have significant unsecured debt, you may be considering various repayment strategies. Debt settlement is an option that often looks attractive at first g...
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Tuesday June 23, 2020
Should I cancel my credit card partial payment plans? Will it help my credit score?
Q. I have started the process of paying off credit card debt. It was suggested to me that I contact the credit card companies (more tha...
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Monday June 15, 2020
How Credit Counseling Can Help When You are in a Financial Crisis
A personal financial crisis can take different forms. Losing a job, having your work hours or income reduced, facing a huge medical expense, and having your ide...
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Tuesday June 2, 2020
The Importance of Checking Your Credit Report During the COVID-19 Pandemic
The COVID-19 crisis has forced many of us to shift priorities. People are focused on taking care of their families, following social di...
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Friday May 1, 2020
Should I File for Bankruptcy?
Q. Should I file for bankruptcy? I lost my job in 2007. I became unable to pay my credit card debts about two years later. My d...
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Wednesday April 22, 2020