Help, I'm clueless about how to fix my credit. This article was updated in May 2021. Are you thinking about contacting a "Credit Repair" company for help? Or maybe you're already paying for credit repair services? It's time to rethink your decision. Credit Repair companies are popular because they make big promises. They claim can “clean up your past” or “fix your mistakes.” It's understandable that these kinds of vague promises are appealing - it’s like they've got a time ma

Do your credit reports have more trash in them than Madison Square Garden after a Stones concert? Or maybe they're just a little barren and need a jump-start? If you’re having trouble figuring out how to get your credit on the right track, you are not alone. The most common question I’ve heard since I became a Financial Counselor is, “How do I build good credit?” The good news: no matter how much wreckage you’ve crammed into your reports, you can always make improvements. Her

Are the best things in life really free? Money can score you a lot of great stuff. Usually more money equals better stuff, but when it comes to your credit report, the old adage is completely accurate: the best credit reports you can get are 100% free. Seriously? Free? Yes. Free! Thanks to a federal law passed in 1970, the three major credit bureaus are each required to provide you with a free copy of your credit reports on an annual basis. As a result of that law we have a