Late Payments, Credit Scores and Credit Reports

Late Payments, Credit Scores and Credit Reports

A missed credit card or loan payment can have a seriously detrimental effect on your credit report. The golden rule of using a credit card is to make your payments on time every time, building a respectable payment history, avoiding debt, and keeping your creditor happy. But what happens when you fall behind with your […]

Late Payments, Credit Scores and Credit Reports is a post from Pocket Your Dollars.

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Things Break. How to Make Sure Your Emergency Fund Can Cover Them

Things seem to have a way of breaking down at the worst times. Here’s how you can make sure you’re prepared for the worst.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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By: Jeanine Skowronski

If the purported collector calls again, you can ask for written verification of the debt and the amount you owe. They are required to provide this by law and making this request is a good start to pinning down whether or not you are dealing with a legitimate debt collector. If you are dealing with a scammer and you are worried that you handed over sensitive personal information, you may want to put a fraud alert or even a credit freeze on your credit reports. You can find more information here: https://www.credit.com/credit-reports/credit-freeze-legislation/ http://blog.credit.com/2013/10/talking-to-a-debt-collection-scammer-69424/ Thanks, Jeanine

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How To Dispute Your Transunion Credit Report

Did a recently rejected credit application prompt you to view your TransUnion report? Or maybe you were casually browsing your free credit report and noticed issues. Either way, you want to clean up your credit…

The post How to Dispute Your TransUnion Credit Report appeared first on Crediful.

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Tips For Getting The Most Out Of Your Credit Cards

Credit cards can be a useful tool if you do your research a make a plan for your spending. Here’s how to get the most out of your credit cards.

The post Tips For Getting The Most Out Of Your Credit Cards appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

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Why It’s Harder to Get Credit When You’re Self-Employed

Around 6.1% of employed Americans worked for themselves in 2019, yet the ranks of the self-employed might increase among certain professions more than others. By 2026, the U.S. Bureau of Labor Statistics projects that self-employment will rise by nearly 8%.  Some self-employed professionals experience high pay in addition to increased flexibility. Dentists, for example, are […]

The post Why It’s Harder to Get Credit When You’re Self-Employed appeared first on Good Financial Cents®.

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3 Reasons to Use Cash and 3 Reasons to Choose Credit

3 Reasons To Use Cash (and 3 Reasons To Choose Credit) Credit and debit cards have become so ubiquitous, you’d be forgiven for thinking physical cash is just a couple years away from being declared obsolete and worthless by the…

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The post 3 Reasons to Use Cash and 3 Reasons to Choose Credit appeared first on MintLife Blog.

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