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Forbearance, is a tool consumers are utilizing more than ever. Forbearance is when your creditor/lender allows you to temporarily pay your account at a lower payment or pause payments altogether. You will have to pay the payment reduction or the paused payments later....

When it comes to credit files and credit scores, there are tons of myths. One of the most common, if not the most popular, myth that people assume is that they have to wait for 7 years or more for items to fall off their credit report. Some people even think is 10...

Having to deal with collection accounts for 7 years is tough, very very tough. The stress of knowing you owe creditors that once helped you, the worry that you might never get out of debt given certain life circumstances, the great impact on potential employment, the...

Life is about perspective, and the way you look at life has a lot to do about how much freedom you have. When you have good credit, it does not only help with smaller monthly installments, but it also allows you to not feel trapped and must settle for anything. How...

I believe that if we all have a clear goal, we can accomplish it with greater success. Credit world has a specific why that they think that all citizens must live by and here is the chart that best explains it. Credit as we all know is extremely important, it allows...

We all have heard of the American Dream. For most of us, a big part of the American Dream is owning your own home. While there are several options for getting a mortgage with bad credit, there are compromises you’ll likely have to make. In short, the consequences of...

As we grow up, we hear it more often than not; Don't use too much credit, do not open too many credit cards, don't miss any payments, do not spend more than you can afford, avoid paying with credit if you have the cash, etc. We are told all about the negative...

New credit makes up 10% of your overall FICO Score. Using credit has become a more noticeable trend in recent years. People tend to buy on credit more often today than in the past, making lenders more skeptical when it comes to approve credit applications. Consumers...

Finding a mistake on your credit report is the worst, especially because how to fix it isn’t immediately obvious. The last thing you want is a clerical error tanking your credit score. Credit Services of America has a proven system for disputing negative erroneous...