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how long do negative credit items stay on your report?

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How long do negative credit items stay on a report?

TrueCredit.com talks about negative credit items living on your credit report - With so many types of debt, not to mention individual creditor policies and procedures, it's hard to know when your bad debt will fall off. This article looks at the common types of debt, and when you can…

Consumer First FinancialJuly 22, 2019

Consumer Credit Credit Cards Debt Relief Programs Debt Settlement Financial Advice Financial Tips Get Out of Debt Unsecured Debt

Settle debt yourself or let an expert debt negotiator help.

Thinking of settling debt yourself? Know what you're up against. Debt can be overwhelming, settling debt yourself can be even more. As a young borrower getting your first credit card is a pretty exciting moment. But, without education and guidance, this credit card debt can quickly become unmanageable. When credit…

Consumer First FinancialJuly 19, 2019

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How Do I Build Credit When I Don’t Have Credit?

TrueCredit.com talks about building credit when you have none - You need it to build it, but can't build it until you have it... confused yet? It's not as bad as it sounds, and generally speaking, there are options to rebuild for all levels of credit. Generally, you need a…

Consumer First FinancialJuly 15, 2019

Deep dive into the new Experian Boost product.

Consumer Credit credit Credit Cards Financial Advice Financial Tips Get Out of Debt Personal Finance

A deeper look into the new Experian Boost™ product.

Experian Boost - Add it to your toolbox if you're rebuilding credit. Experian Boost can offer a real-time boost to a consumers credit score based on on-time recurring bill payments. The details found in a consumer's credit report are the tools used by lenders to either approve, or deny, a…

Consumer First FinancialMay 27, 2019

New credit while in a debt relief program

Consumer Credit Credit Cards Debt Relief Programs Debt Settlement Financial Advice Unsecured Debt

Will I qualify for new credit while active in a debt relief program?

New credit and debt relief programs. If you are in a debt relief program, the goal is to pay off your debts significantly faster, and at drastically reduced rates. For consumers that have reached a point with their unsecured debt that the interest will prevent a realistic payoff, a relief…

Consumer First FinancialMay 20, 2019

Consumer Credit Credit Cards Financial Advice Financial Tips Personal Finance

Hard and soft credit checks: What you need to know

Credit checks and your score, why they matter. Let’s suppose that your credit score is like a pie which represents your financial well-being. Divide the pie into slices, each of which shows a different factor of your credit score. One large slice represents your open credit-card utilization rate, one more…

Consumer First FinancialApril 10, 2019

Credit Cards Debt Relief Programs Debt Settlement Financial Advice Financial Tips Unsecured Debt

Multiple credit cards, your credit score, and relief options

How is my credit score affected if I have multiple credit cards? A question most commonly on the minds of people who have some degree of outstanding debt. It's a surprisingly common scenario; consumers sign up for bank cards, store cards, payday loans, etc. They quickly find themselves with multiple…

Consumer First FinancialApril 4, 2019

Collections Credit Cards Debt Relief Programs Financial Advice Get Out of Debt Unsecured Debt

Common Mistakes When Seeking Debt Relief

How did we get here, and where do we go? The words debt, loans and bills are common words in the United States. There are very few houses that are truly free from these things. Too many times we try to keep up with the Joneses by acquiring more than…

Consumer First FinancialApril 1, 2019

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Consumer protection against collection agencies

Consumer protection and your rights It’s never fun to go through financial hardships in life; this is worsened when you’re being troubled by creditors and collection agencies. Many of these companies use aggressive, and sometimes illegal, methods of collecting a debt. Consumer protection and enforcement of your rights is of…

Consumer First FinancialMarch 13, 2019

Consumer Finance Blog

How long do negative credit items stay on a report?

Settle debt yourself or let an expert debt negotiator help.

How Do I Build Credit When I Don’t Have Credit?

A deeper look into the new Experian Boost™ product.

Will I qualify for new credit while active in a debt relief program?

Hard and soft credit checks: What you need to know

Multiple credit cards, your credit score, and relief options

Common Mistakes When Seeking Debt Relief

Consumer protection against collection agencies

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