Derogatory marks are negative items such as late payments, a foreclosure, a repossession or a default that can lower your credit score and stay on your credit report for years. Get more details and your options here. Read more.

If Wakefield and Associates, a U.S.-based debt collection agency, has called, there’s still hope to get them removed from your credit report. Read this article to learn your options. Read more.

Evictions can stay on your record for seven years, impacting credit and rental opportunities. Learn how to get them off your record. Read more.

If the repossession was accurate, it can stay on your credit report for seven years. Learn when it could be removed and how you can offset its affect your credit score. Read more.

Depending on the current state of your credit history, it will take more or less time to reach that 800 credit score milestone. But you can do it. Read this article to learn how. Read more.

Raising your credit score in a 6 month period is possible if you understand what's in your credit report and make a plan. Learn how to get a 720 credit score in 6 months. Read more.

Going to jail is a difficult enough experience on its own, without the financial and credit trouble it also can bring. You can avoid making a rough situation rougher by taking care of your finances beforehand if possible. Read more.

Settling a debt with a creditor may be a better option than letting it linger on your credit report. Read this article to learn how to do it and use a free debt settlement letter template. Read more.