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Tag Archives: credit reports

When Should I Pull My Credit Reports?


A close friend recently asked me for advice about reviewing her credit reports and credit scores. A few years ago, when she got a mortgage, her scores were very good — in the 800s — but she has since had a run-in with a department store card that she fears may have had a negative impact on her credit. So it’s smart for her to ... Read More »

    5 Things You Absolutely Need to Find in Your Credit Reports

    Your Credit Score Sucks

    You probably already know it’s a good idea to review your credit reports and your credit scores. But what happens when you get a copy of your credit report and you aren’t sure what to make of it? In a recent survey by, 27% of consumers who said they had reviewed their credit reports were surprised by some of the ... Read More »

      Credit Repair Firms In Crosshairs of Federal Trade Commission

      Ready to Collapse

      Credit repair, or how to make your credit report lie, is not something you want to get involved with. It is much better for you to focus on dealing with a bad credit issue and resolve it, focus on rebuilding your credit report and credit score and just don’t waste one minute or one penny on paying for credit repair. ... Read More »

        Christy Asks “Why Should I Even Bother With Getting Out of Debt?”

        Ready to Collapse

        Christy wrote me at and asked me the following question. “I’ve been in debt so long I don’t even see why I should bother to get out of debt. It’s the American way. You get stuff, make payments and get more stuff. I think I’ll just stop worrying about getting out of debt.” Christy, You are right, the cornerstone ... Read More »

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