If a debt collector has won a court case against you over unpaid debt and the civil judgment appears on your credit report, you might be able to remove it. Read this article to learn how. Read more.

Someone with a debt in collections can write a pay for delete letter to a collection agency to negotiate getting an item removed from credit reports in exchange for paying off the debt. Learn how it works in this article. Read more.

A 609 letter requests the disclosure of information on your credit report. Section 609 of the Fair Credit Reporting Act grants consumers full access to their credit reports. Read more.

A charge-off damages your credit report, but you can try to remove it by disputing it, or paying it and requesting a “pay-for-delete” arrangement. Read this article to learn how. Read more.

If you have a credit score of 580, you may find it difficult to get a home or auto loan or a credit card. If you do qualify, you’re likely to pay higher interest rates. But you can take steps to understand and improve your credit score. Read more.

Is Self credit repair? Our experts break it down in this short article. Read more.

It’s possible to get a credit card when you have bad credit. You’ll either choose a secured credit card, or what’s known as a subprime credit card. Read this article to make a smart choice and get ready for your card application. Read more.

Sometimes it’s smart to close a credit card account. Read on to find out when it makes sense to close that credit card, how it will affect your credit score and a few steps to safely close a credit card. Read more.