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About 45 million American consumers – maybe even you – are classified as credit unscorable. In other words, you have a limited or thin credit file, which means you have no credit score and credit agencies aren’t able to determine your credit risk. What does that mean? Quite simply, you’re probably new to using credit—Read More
Going to the emergency room or having an unexpected illness can be expensive. And just like any other bill, you need to pay your medical bills. Doctors and hospitals usually do not report debts to credit reporting agencies, but that doesn’t mean if you have unpaid medical bills that you’re off the hook. Why? Because—Read More
When Americans find themselves in extreme financial distress, as millions are today, payday loans might seem like the only option for relief. But the truth is, they’re unfair,costly, and take advantage of people who are most vulnerable. Payday loans are often issued to people who have bad credit, no credit, or without savings. They are—Read More
You probably have a general idea of how to get a good credit score – like by paying your bills on time, avoiding excessive debt, and not applying for too many credit cards. But there’s a lot of credit myths out there that can prevent you from maximizing your credit score. 1. You only have—Read More
