Learn the secret tool to wipe your credit report clean! Fix bad credit & boost your score without expensive repair companies.

Cleaning up your credit reports by getting errors fixed and taking steps to address any legitimate negative information can help you improve your credit file. A clean credit report shows you’re a ...

A goodwill letter is a formal written request asking a creditor to remove a negative mark, like a late payment, from your credit report. Goodwill letters are most effective if your payment history ...

Since “on-time payments” make up 35% of your credit score — landing in collections can lower your score in a hurry. Collections typically stay on your credit report for up to 7 years.

A pay-for-delete could remove the collection account, but the missed payments and charge-off account would stay on your credit report for seven years. When to consider a pay-for-delete agreement ...

To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that a late payment was reported on [date] for my account ...

Before you take steps to remove collections from your credit report, you need to know which credit bureaus are involved. You can review your credit files at all three of the major credit bureaus ...

If your credit report shows one or more accounts in collections, you may be wondering if there’s anything you can do to remove those marks. Here’s what you need to know.

CFPB researchers have found that medical debt — unlike other kinds of debt — does not accurately predict a consumer’s creditworthiness, calling into question how useful it is on a credit report.

Subtract the rollover and report the remainder, if any, on line 4b. Write “Rollover” next to line 4b. This first appeared in The Kiplinger Tax Letter.