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Credit Limits: Can Yours Be Reduced?

Having your credit limit reduced is common and can even happen if you’ve been good with credit and made all your payments on time. When a creditor lowers your credit limit, it can negatively impact your credit score. However, you need to know that there are things you...

3 Most Common Questions That Credit Repair Companies Get Asked

Your credit score determines a lot of things in life. A poor credit score can keep you from securing an auto loan, being eligible for an apartment lease. It can also determine the interest rate on any credit card that you apply for. That is why having a good credit...

Making Sense of Millennial Credit Card Delinquency

The New York Federal Reserve report recently shared a chart that does not bode well for young millennials. It showed a trend of 18-29 year-olds who are more than 90 days delinquent on credit card payments. This can be concerning for a few reasons; one, because the...

The Case for Hiring a Credit Repair Company

The good news: We live in an age where you can pretty much do anything with the assistance of software. The bad news: Software has only come so far in replacing the services of professionals. You can purchase software for everything from filing your taxes to improving...

The Effects of Bankruptcy: How Long Does it Stick to Your Credit?

Stated by the The Phenix Group, one of the main reasons that people are reluctant to file for bankruptcy even when they are drowning in debt is that bankruptcy negatively impacts one’s credit score. Depending on the type of bankruptcy on files, the filer can expect a...

How to Avoid Credit Card Spending and Manage Your Money!

So, you applied for a credit card and you were approved. You’ve been granted a maximum limit of $2,000 - Perfect! There’s a pair of shoes you’ve had your sights set on for months. After all, isn’t that why you need a credit card? You swipe your shiny new card and are...

Have No Credit Score? Here’s What You Should Do

Have you ever heard of the expression, “No credit is worse than bad credit?” Like most people, you’ve probably thought the complete opposite. After all, isn’t it better to have no credit at all than to walk around flaunting a lousy credit score? However, this...

How Your Student Loan Can Affect Your Credit Score

What kind of effect can a student loan have on your credit score? Does this question pique your curiosity? You’re not alone. Many people often wonder how taking out a student loan will influence their credit standing. Will it boost their score? Hurt it? As with any...

Everything You Need to Know About National Credit Systems

Headquartered in Atlanta, Georgia, National Credit Systems is a third-party collection agency that operates independently. Initially founded in 1991, the agency specializes in recovering money for apartment owners and managers that is owed to them by consumers who...

How Divorce Impacts Your Credit Score And How You Can Fix It

Whether it’s on friendly terms or not, divorce is stressful, and it can even take a considerable toll on your finances. This means you’ll likely hear phrases such as “100% liable for bills” and “child support payments” as well. In this post, we’ll go over how divorce...