The truth is, credit cards can have devastating effects if you don't use them the right way. That's why it's important to learn how to use your credit card responsibly to avoid the consequences and...

Why do you need to know how to read and analyze your credit report? You are ready to rebuild your credit and you have ordered your credit reports from AnnualCreditReport.com. But what exactly are you...

Removing a bankruptcy from your credit report is not easy because it is a public record. The good news is most public records are no longer able to be reported on your credit report. The only public...

Whenever I have someone in front of me and I am reviewing their credit report, it can be tempting to use terms that are common to me but foreign to people outside of the banking and credit world. The...

You have received your denial letter and the reason for decline is an insufficient credit history. But how do you get credit if no one will give you credit? Having an insufficient credit history...

I was working at my first mortgage job when the owner of the company suggested that my client should get someone to lend her their credit tradelines. What? How is adding someone to your tradelines...