Dealing with Debt Collectors Firmly

Some agencies are known to violate the provisions of the Fair Debt Collections Act, treating borrowers in an offensive, forceful manner. Some debt collectors may even use threats in order to force payment. When confronted with this situation, what can you do?

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The New Forms of Credit Scoring and You

In the past years, various methods of credit scoring were used to calculate individual credit score. It used to be that credit score was mostly determined by the number of credit cards owned, the frequency of credit card charges, and the cardholder's capability to pay off these charges. Consequently, those who do not own credit cards may be regarded as a poor candidate for credit. As a result, people who cannot qualify for loans may have little choice but to seek out subprime lenders.

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Can You Fix Your Credit Report?

Anytime of the year is a good time to check your credit report. And if your credit report needs fixing, you can do the necessary steps right away. On this post, we present essential tips on how you can fix your own credit.

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How to Manage Credit Card Debt

Do you own a credit card? If yes, this article present tips on how to manage credit card debt more effectively. Considering these suggestions can help you get the most out of your credit card and avoid the risk of bad credit.

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