A bankruptcy dismissal makes you responsible for your debts, while a discharge means that you no longer have to repay your debts prior to bankruptcy. Read more.

While Chapters 7, 11, and 13 bankruptcy are commonly known, there are actually six types of bankruptcies — here’s what you need to know before filing. Read more.

Credit locks and credit freezes are ways to restrict and secure your credit report, but there are advantages, disadvantages and differences to using each. Read more.

ITIN's are issued to residents with foreign status, while SSNs are issued to U.S. citizens or authorized non-citizens. We'll explain the differences. Read more.

Wondering how long to keep credit card statements? Save tax-related ones for 7 years and others for one year. Learn the proper storage and disposal tips. Read more.

What does annual income mean? Annual income is the total amount of money you have earned during a calendar year. Here is a formula to calculate your income. Read more.

Sections 604 and 609 of the FCRA have similar numbers and refer to consumer reports and/or disclosures. Section 609 supports a dispute letter. Read more.

A cancellation of debt is when a lender relieves an individual from a debt agreement. We'll explain how it works and provide a few debt tax exceptions. Read more.