There has been lot of talks about getting free credit report. But we need to know what precisely a free credit report comes with. There are three types of credit reports being advertised out:The first type of credit report is the credit report where you just get a credit report from just one of the …

It is true that we can get our credit reports free of cost. We do nt need to pay a separate dime to anyone to get our credit report. Unfortunately, there are many public who do nt about it. They ultimately pay some money to their credit reports which they can get free of cost.According to Federal la…

The headline for a story in the Atlantic Journal Constitution written by Bill Torpy. Bill talks about a day in the life of bill collectors, worth checking out.
Orginal post by Michelle Dunn

My credit report shows a Judgement in Civil Court. that actually was never a judgement. My previous landlord took me to court for back rent. Once at Court we discussed a settlement and a “Stipulation of Agreement” was filed. I paid as per our arrangements (in full and I have the receipts and let…

I have an explanation that Verizon Wireless has been trying to gather on for 6 months now. They overcharged me one month for overages I know I didn’t use so I closed the explanation and after they started their collection process I disputed the history with the BBB, FCC, and the State Attorney Gen…

I have a credit explanation that was charged off, but the creditor has sold the debt to a third party. and they say they can’t help me. Should I still try to negotiate with the original creditor or deal with the third party? Will the third party be able to update my credit reports with “paid as agre…

According to a recent survey, four out of every ten Britons had to rely on their credit cards to meet the cost of Christmas last year and a fifth of them are still paying the left dues.Around 41 percent humans used their credit cards to buy gifts and food items in 2006. But only 29 percent of them w…