Today, a credit record is more than a dry report on how many credit cards you have and whether you made every auto-payment on time. Credit recording agencies often distill consumers' reports into a three-digit number called a credit score -- and that number alone can determine whether you get easy monthly payments or loan-shark rates. It's not...

Are you suffering from bad credit issues? Have you considered using a credit repair lawyer? Well, read on to find out why it really is not necessary to go to the expense of hiring a lawyer to fix your situation. Credit repair lawyers are an expense we can do without when we are already in financial trouble. At the end...

a. Manage your bills and pay them off

Jump Start Your Credit History

Make sure a credit score improvement agency is legitimate before choosing to work with them. The industry unfortunately has some agencies that fall short on their credit score repair promises. It is sad to see how many people have been taken advantage of by credit repair scams. Read all the reviews that you can find and you should be able...

Here are some of the most common mistakes consumers make when trying to repair their own credit and some tips on how to avoid them.

Child support is one type of collection that you may see on your credit report. Although child support is not commonly found on a credit report like other collections such as bankruptcies, liens, and foreclosure. All collections on your credit report have a stated time they will stay in place. Although it is sometimes possible to negotiate for them...