My credit repair experiment began November of 2009. First, get all three (3) credit reports. You must have them if you want to fix your credit. With them in hand, it was time to start fixing my credit. A more formal way to do this ...

Believe it or not, there are a lot of ways to file a complaint against a bank. If you are using a credit card, the process is a little more indirect. But, every credit card is backed by a bank ...

The days of the credit card (and the debit card) are numbered. This is not some alarmist statement (or maybe it is), but the financial institutions are really trying to reduce the amount of credit available to borrowers. Why? It all goes ...

What is a charge-off? A "charge-off" is a balance owed that has been deemed a "loss" for accounting purposes in the creditor's financial statements. Consumers. For consumer debt, government regulations REQUIRE a charge-off on an account after a specific period of delinquency. This ...

Look at where I started. There were 6 credit cards. The balances were Providian at $1925, 3 Capital One cards at $300 each, one from First Premier Bank for $300, and one with Household Bank for $500. Capital One is terrible. ...