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.

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.

There are many types of credit cards, but deciding which one is right for you will depend on your interests and your credit history. Read this article to learn about the different types of cards on the market. Read more.

It can seem overwhelming when you think about getting your credit back in shape, but there are two major actions you can take to do it: check your credit reports for errors to fix, and pay down debts. Read more.