Credit Score
4 articles in this category.
A 0% Balance Transfer Can Save You Money. Here’s How It Backfires
0% APR balance transfer ads never walk you through the actual math. Skip that part, and the same move that was supposed to help your credit can leave you worse off than when you started.
Can You Dispute a Paid Collection? What Actually Happens
Paying a collection doesn’t give you a new right to have it removed, but that doesn’t mean disputing one is pointless. Here’s what actually determines whether it comes off your report.
Already Paid Off That Charge-Off? A Goodwill Letter Might Still Get It Removed
Paying off a charge-off doesn’t erase it from your report. A goodwill letter is one thing you can still ask the creditor to do, but it’s a request, not a right.
No Credit History? A Credit-Builder Loan Can Help, But It’s Not for Everyone
A credit-builder loan can help you build a payment history from nothing, but CFPB research shows it works best if you’re not also carrying debt. Here’s how it works, and how to tell which one you actually are.