Guest Bloggers Are Welcome

Add Blog

American Express Hates Their Customers

By: Mark Goldman Credit Repair Views: 3880 | Comments: 0 | Votes: 0

Mark Goldman

This is an addenda to my recent rant on American Express "Leave Home Without It" article.  I just got my statement with a "Notice of Changes to Your Account".  If you have an American Express Card, you may be interested in the ways that company gets to unilaterally change their terms and increase your costs and reduce your options as their customer. More

How Does Credit Restoration Work?

By: NCR Credit Plus Credit Repair Views: 5211 | Comments: 0 | Votes: 1

NCR Credit Plus

Credit bureaus insist that individuals cannot repair their credit without waiting years for negative items to be removed. Don't believe that. NCR Credit Plus has been doing this for a long time and in that time we have found that through continually refining and redefining our strategies, we have secured methods that provide optimal performance. Cancel Anytime! More

I have no credit, but I want to build credit

By: NCR Credit Plus Credit Repair Views: 1526 | Comments: 0 | Votes: 1

NCR Credit Plus

I have NO credit, but I want to build credit. I am just about to graduate college with two degrees and I need to build credit.Answer:If you have no credit and want to build your credit history, then secured credit card offers can be an ideal option for you. More

Painful notice: credit card payment hiking

By: NCR Credit Plus Credit Repair Views: 1890 | Comments: 0 | Votes: 1

NCR Credit Plus

Q: Dear Debt Adviser, I have paid off most of my credit cards in the last few months. I still have a debt with one creditor for $23,000 that I have been paying on time, and I always pay more than the minimum. I just received a notice that the minimum credit card payment is going to be increased to 5 percent of the balance, starting in August. What should I do? More

How Do the Credit Bureaus Interpret Your Score ?

By: NCR Credit Plus Credit Repair Views: 1856 | Comments: 0 | Votes: 1

NCR Credit Plus

You may have worried many times about what your score is, and how to keep it at the optimal level. Do you however, know how the credit bureaus interpret or calculate your score? This is why it's extremely important for you to pay your bills on time. Every time you are late with a payment, you are hurting your score. Your credit history accounts for 15% of your score. More

American Express Rant - Leave Home Without It

By: Mark Goldman Credit Repair Views: 3625 | Comments: 1 | Votes: 1

Mark Goldman

This Saturday I was awakened by a call from American Express.  Although they had not sent me a bill yet, they decided I had to send them money right away.  The pleasant Customer Service Representative explained that American Express had decided my charges for this month were more than they would allow, even though my account was current. More

Medical Identity Theft

By: John Bresnahan Credit Repair Views: 1843 | Comments: 0 | Votes: 0

John Bresnahan

With identity theft on the rise these days, most of us are already taking steps to protect ourselves. But did you know that there’s now a growing form of identity theft known as “medical identity theft” that can not only devastate victims’ finances, but also compromise their health, too. What is Medical Identity Theft? Why Should You Be Concerned? More

Renting good credit may become history

By: Kenneth R. Harney Credit Repair Views: 1612 | Comments: 0 | Votes: 1

Kenneth R. Harney

WASHINGTON – The days may be numbered for dozens of Internet-based companies that promise to quickly boost FICO credit scores by 200 to 300 points. Fair Isaac Corp., the developer of the widely used FICO score, soon plans to introduce key changes designed to derail schemes that transplant high-quality credit card histories into the files of people with low FICO scores. Kenneth R. More

Before You File for Personal Bankruptcy:

By: Peter Suhai Credit Repair Views: 3615 | Comments: 0 | Votes: 0

Peter Suhai

Information About Credit Counseling and Debtor Education Produced in cooperation with the Department of Justice’s U.S. They also must complete a debtor education course to have their debts discharged.The Department of Justice’s U.S. Trustee Program approves organizations to provide the mandatory credit counseling and debtor education. By law, the U.S. Check the U.S. Check the U.S. More

FICO - How your score affects you

By: Academix Credit Repair Views: 2265 | Comments: 0 | Votes: 0


Throughout the years, mortgage rates have varied by loan-to-value and by term only. Items such as mortgages and variation in credit risks were not taken into consideration. A variation in interest rates was typically due to an additional charge for mortgage insurance (PMI) for home loans with loan-to-values greater than 80 percent, or higher rates due to the length of amortization. More