Personal Finance Articles
Get the steps on completing your own personal budget. Use the budget to monitor what you are spending and ensure you are spending less than your income.
Read moreTwo factors are taken into consideration when calculating credit utilization. The first is overall utilization. The second is individual credit account utilizat
Read moreThe cash in a cash-out refinance is not income because it is a form of loan against the value of the homeowner's property.
Read moreIf your spouse has strong credit, your being an authorized user on an account with a healthy credit history will boost your score. This is called piggybacking
Read moreCredit Report Dispute | How to dispute errors on your credit report for no cost. Get inaccurate information removed from your report by filing a notice with...
Read moreFree tips on establishing, maintaining, and improving your credit rating.
Read moreLearn about how your credit score is determined and how your credit score affects you.
Read moreDispute Hard Inquiries | Consider disputing hard inquiries only if there are many you did not authorize. However, if you opened an account with a bank or...
Read moreYou may owe state income tax due to your filling jointly with your spouse. You may want to consider filing your returns as married filing separately.
Read moreStay out of debt by following these quick tips. Start by making a budget and track your income and spending. It's very important that you...
Read moreInformation on how the IRS collects on your outstanding taxes. Take steps on resolving your debt before aggressive collection methods from the IRS harm you.
Read moreTax relief services | A professional tax relief services firm can help you get out of IRS debt, stop levies and wage garnishment, and file previous tax returns.
Read moreFree advice about handling IRS tax debt and setting up a payment plan
Read moreUnderstanding Credit Score Discrepancies
Understanding Credit Score Discrepancies | Your credit scores are calculated using complex mathematical formulas. Your scores can vary from bureau to bureau...
Read more1099-A vs. 1099-C | A creditor is required to issue a 1099-A when a borrower abandons real or personal property. A 1099-C is a notice to the IRS that the...
Read moreCalifornia service of process | In California, service of process is allowed by substitute, if a copy of the summons cannot be delivered personally with reasona
Read moreThere are five key factors that go into calculating your credit score, with certain items carrying more weight than others.
Read moreFree advice from Bills.com on how to get a free credit report with score.
Read moreLevy From Both IRS and a Judgment
Levy | Free advice if you have an IRS wage levy and a separate levy from a creditor
Read moreCollection Account & Credit Score
A credit record is an imperfect snapshot of a person's credit history that is 60-90 days out of date. The soonest that any change can be reflected in a credit s
Read moreCredit Bureaus Report I'm Dead
View the reports to see which bureaus list you as deceased. If only one bureau is, then you only need to focus on correcting one error.
Read moreWrong Address on Credit Report
Under the FCRA, both the consumer credit reporting company and the information provider are responsible for correcting inaccurate or incomplete information in
Read moreIRS Tax Lien on my credit report
Having an IRS tax lien or a State Tax Lien filed against you demands quick action. Free tips from bills.com.
Read moreRaise Credit Score for Free | It doesn't have to cost you money to raise your credit score. Follow a clear strategy and make smart decisions and your score...
Read moreCalifornia eviction | In California, eviction requires written notice. if you were evicted legally, you should have received a written notice three days before
Read moreFirst, you need to find an attorney who is experienced in wills and trusts. Second, you need an investment adviser.
Read moreIf you are paying a high interest rate on this loan, then consider receiving a distribution large enough to extinguish this debt plus the second credit card.
Read moreI Have No Credit History What Can I Do?
What can I do if I have no credit history?
Read moreIRS debt problems can often be solved by using the services of a tax professional who has a track record of successfully negotiating on behalf of clients...
Read moreLook to your contract to determine if the consumer who leased the vehicle is required to be the primary driver on the vehicle's insurance.
Read moreMost states exempt a portion of the value of certain items, such as a vehicle, tools of a trade, and a homestead, from creditor execution and from bankruptcy.
Read moreKeep your oldest credit account open because it establishes the baseline for your credit history.
Read moreDivorce and Credit Report | What can I do about my ex-husband not making the mortgage payments? My divorce is wreaking havoc on my credit report, and I want...
Read moreIRS Debt | If you have IRS debt, you need to find the best possible solution, to protect yourself from a wage or bank levy. You may be able to save money, if...
Read moreDerogatory Items on Credit Report from Bank of America | If you have derogatory items, including from Bank of America or Chase, then follow theses steps...
Read moreWill Paying Off My Auto Loan Raise My FICO Score?
Paying off Auto Loan and FICO Score | Timely payments of a loan are crucial for your credit score. Paying off a loan will affect the amount of credit and the...
Read moreClosing an account lowers your credit score. Here, there is no point in your closing the accounts if you are planning to apply for credit soon.
Read moreFico Score | Keep in mind that there is more than one credit score. In fact, there is more than one FICO score. Fair Isaac offers different versions of its...
Read moreFair Credit Reporting Act Lawsuit
Fair Credit Reporting Act Lawsuit | If your old mortgage is still being reported as delinquent, even after a foreclosure, then you need to learn about your...
Read moreDebt Tax | Some people assume a decedent's debt is forgiven or possibly written off by creditors. The law does not work that way, with the exception of...
Read moreThe exact date of last payment on your delinquent account can be inferred from the date of first delinquency. You can learn the date of first delinquency by rev
Read moreCredit Cards History | If you close the wrong account, your credit cards history may have an enormous impact on your credit score. Keep your oldest credit...
Read moreIt is in your best interest to stop piggybacking on a damaged credit card account. Ask the card holder to contact the creditor and remove you as an authorized u
Read moreCanada Credit Report | There is a slight risk to your Canadian credit report if you leave your US credit report in shambles. A financially motivated US...
Read moreLost Information on Credit Report | here is no penalty in the Fair Credit Reporting Act for CRAs if they remove positive credit history from a credit report.
Read moreAdding a Mortgage to Your Credit Report
The how-to and importance of adding your mortgage payment history to your credit report.
Read moreBoth spouses have liability for debt incurred by one spouse during the marriage. However, in practice, it is rare for creditors to pursue both spouses in commun
Read moreShould I Close My Credit Card Accounts
I have a few credit cards that do not have a balance and they are charging me an annual fee of $50, should I close my account?
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