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LaToya Irby

Updated Articles and Resources

By LaToya Irby

    Updated Articles and Resources
    • What Happens If You Don't Pay a Collection Created: Friday, January 04, 2013 Updated: Monday, July 21, 2014
      Collectors hassling you for payment? There are consequences to ignoring their attempts to collect. Learn what happens if you don't pay a collection.
    • How to Get Extra Money to Get Out of Debt Created: Wednesday, February 13, 2008 Updated: Monday, July 21, 2014
      Funding your debt plan might be hard if you depend on your current income. Here are some ways you can come up with extra money to get out of debt.
    • Should You Save Money or Pay Off Debt? Created: Thursday, February 10, 2011 Updated: Monday, July 21, 2014
      Deciding whether you should pay off debt or save money can be a difficult decision. Weigh both options - saving money or paying off debt.
    • Credit Repair Australia - Reader Review Created: Saturday, July 19, 2014 Updated: Saturday, July 19, 2014
      A reader tells of their negative experience with Credit Repair Australia.
    • Credit Wash of Australia - Reader Review Created: Saturday, July 19, 2014 Updated: Saturday, July 19, 2014
      Reader gives a review of the credit repair services at Credit Wash in Sydney Australia
    • Reader Gives Five Stars to Trinity Credit Repair Created: Saturday, July 19, 2014 Updated: Saturday, July 19, 2014
      A reader gives a rave review for Trinity Credit Repair Services.
    • Negative Reader Review of of CreditRepair.com Created: Saturday, July 19, 2014 Updated: Saturday, July 19, 2014
      A reader gives a negative review of CreditRepair.com credit repair services.
    • Reader Review of CreditRepair.com Created: Saturday, July 19, 2014 Updated: Saturday, July 19, 2014
      A reader reviews their credit repair experience with CreditRepair.com.
    • Five Stars for White, Jacobs & Associates Created: Saturday, July 19, 2014 Updated: Saturday, July 19, 2014
      Reader gives a stellar review for White, Jacobs & Associates credit repair services.
    • Reader Review of Park View Legal Credit Repair Services Created: Saturday, July 19, 2014 Updated: Saturday, July 19, 2014
      A reader gives a positive review of Park View Legal credit repair services.
    • Family 1st Credit Repair Reader Review Created: Saturday, July 19, 2014 Updated: Saturday, July 19, 2014
      A reader gives the credit repair service from Family 1st Credit Repair one out of five stars.
    • Disappointed With CreditRepair.com Created: Saturday, July 19, 2014 Updated: Saturday, July 19, 2014
      A reader expresses disappointment with the credit repair service at CreditRepair.com.
    • How and When Is Credit Card Interest Charged? Created: Tuesday, June 04, 2013 Updated: Saturday, July 19, 2014
      One of the biggest costs of having a credit card is interest. Learn how and when interest is applied to your credit card balance.
    • Should You Pay an Adult Child's Debt? Created: Tuesday, July 03, 2012 Updated: Saturday, July 19, 2014
      The decision to pay or not pay an adult child's debt isn't always an easy one. Weigh the pros and cons of helping and not helping your child pay off their debt.
    • What to Check for on Your Credit Report Created: Sunday, June 06, 2010 Updated: Saturday, July 19, 2014
      When you check your credit report, there are some key pieces of information to look for, like your payment history and inquiries. Find out what to look for when you check your credit report.
    • How to Get Your Free FCRA Credit Report Created: Tuesday, January 04, 2011 Updated: Saturday, July 19, 2014
      In addition to your annual credit report, you're entitled to a free FCRA credit report if you're unemployed and looking for a job, receiving welfare, a victim of ID theft, or turned down for a credit card or loan.
    • How to Get a Credit Card at 18 Created: Thursday, October 13, 2011 Updated: Saturday, July 19, 2014
      Changes in the credit card law make it harder for some young adults to get a credit card at 18, but if you have a job, you're more likely to be approved.
    • How To Avoid a Charge-Off Created: Monday, December 10, 2007 Updated: Saturday, July 19, 2014
      Avoiding a charge-off is completely within your control. Learn how you can avoid a charge-off even if you're already behind.
    • What is Debt Really Costing You? Created: Wednesday, September 21, 2011 Updated: Saturday, July 19, 2014
      When people think about the cost of debt, interest and fees immediately comes to mind. That's not the only price you pay for being in debt.
    • Should You Close a Paid Credit Card? Created: Friday, January 25, 2008 Updated: Saturday, July 19, 2014
      Paying off a credit card is a great accomplishment, especially if you worked long and hard to do it. What now? Do you leave the card open or should you close it?
    • How often should I check my credit report? Created: Saturday, November 17, 2007 Updated: Saturday, July 19, 2014
      How many times a year should you be checking your credit report? At least once, possibly more.
    • FICO score Created: Friday, July 27, 2007 Updated: Saturday, July 19, 2014
      A FICO score is a version of your credit score developed by and named after the company who came up with the score.
    • credit report definition Created: Monday, June 11, 2007 Updated: Saturday, July 19, 2014
      If you've ever had a credit account or even a debt collection, you probably have a credit report with at least one credit bureau.
    • over the limit fee Created: Friday, June 08, 2007 Updated: Saturday, July 19, 2014
      A credit card over-limit fee is charged when you exceed your credit limit, even if it's because of fees or interest.
    • Dispute Credit Report Errors With Your Credit Card Issuer Created: Tuesday, May 17, 2011 Updated: Saturday, July 19, 2014
      There are two options for disputing credit report errors: with the credit bureau or with the credit card issuer or other business who listed the information on your credit report.
    • How long will a paid account stay on my credit report? Created: Saturday, January 15, 2011 Updated: Saturday, July 19, 2014
      How long a paid account stays on your credit report depends on the type of account, whether it's open or closed, and whether it's negative or positive.
    • How to Choose a Rewards Credit Card Created: Saturday, January 12, 2008 Updated: Saturday, July 19, 2014
      Learn the most important features of a rewards credit card and get tips on how to choose one.
    • 7 Tricks Credit Cards Play So You Pay More Created: Friday, April 18, 2008 Updated: Saturday, July 19, 2014
      Credit card companies look for sneaky ways to charge you more money, while you’re stuck wondering what happened. Here are some of their dirtiest tricks.
    • Can I Close a Credit Card With a Balance? Created: Tuesday, July 13, 2010 Updated: Saturday, July 19, 2014
      You can close a credit card with a balance, but you may not want to. If you close a credit card with a balance, your credit card will be affected.
    • Six Debt Repayment Options Created: Monday, April 12, 2010 Updated: Saturday, July 19, 2014
      If you want to pay off your debt, you have to choose a debt repayment option. Here are six debt repayment options to consider.
    • 3 Reasons You Shouldn't Opt-Out of a Higher Interest Rate Created: Monday, November 24, 2008 Updated: Saturday, July 19, 2014
      Opting-out lets you decline the new rate and pay off your balance at the lower interest rate. There’s a catch though, many credit card issuers will close your credit card if you don’t accept the new rate. Think twice about opting-out in these situations.
    • Text Message Credit Card Scams Created: Tuesday, July 15, 2014 Updated: Friday, July 18, 2014
      Scammers may use text messages to steal your credit card information. Here are a few ways to quickly spot a text message credit card scam.

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