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LaToya Irby

Updated Articles and Resources

By LaToya Irby

    Updated Articles and Resources
    • How to Get a Credit Card With Bad Credit Created: Wednesday, October 13, 2010 Updated: Wednesday, April 16, 2014
      If you're suffering with bad credit, you're not alone. Many people with bad credit have a hard time finding a credit card. Here's how you can get a credit card even if you have bad credit.
    • 10 Worst Credit Card Mistakes You Could Make Created: Thursday, April 01, 2010 Updated: Wednesday, April 16, 2014
      If you have a credit card in your wallet, here are 10 credit card mistakes you should avoid.
    • Wells Fargo Cash Back College Card Created: Friday, May 14, 2010 Updated: Wednesday, April 16, 2014
      The Wells Fargo Cash Back College Credit Card is an excellent way for young people to establish their credit history with a bank with a good reputation for keeping customers happy. It also pays a c...
    • How To Calculate Your Debt To Income Ratio Created: Sunday, July 22, 2007 Updated: Wednesday, April 16, 2014
      Your debt to income ratio indicates your level of debt. Learn how to calculate and analyze your debt to income ratio.
    • What does "account closed at grantor's request" mean? Created: Wednesday, July 30, 2008 Updated: Wednesday, April 16, 2014
      On your credit report, some accounts might read
    • Find Credit Cards Based On Your Credit Score Created: Saturday, October 06, 2007 Updated: Wednesday, April 16, 2014
      Score Match lists credit cards based on your credit score.
    • Citi Simplicity MasterCard Review Created: Tuesday, February 15, 2011 Updated: Wednesday, April 16, 2014
      The Citi Simplicity MasterCard doesn't charge late fees or a penalty interest rate if you're late with a payment or go over your credit limit.
    • How Your Debt Affects Your Credit Score Created: Tuesday, May 31, 2011 Updated: Wednesday, April 16, 2014
      Your debt – and how you handle it – has a direct impact on your credit score and on your ability to borrow money or pay a low insurance rate.
    • With Credit Cards, Being a Deadbeat is a Good Thing Created: Wednesday, August 27, 2008 Updated: Wednesday, April 16, 2014
      Credit card companies make their money from interest and fees paid by cardholders. You get charged interest when you let your balance revolve.
    • Monthly Bill Payment Checklist Created: Monday, September 24, 2012 Updated: Wednesday, April 16, 2014
      A checklist can help you remember to pay the bills each month. Check off each bill as you pay them and you can easily recognize which bills haven't been paid.
    • What is a Good Credit Card Balance? Created: Monday, June 07, 2010 Updated: Wednesday, April 16, 2014
      A good credit card balance is key to maintaining a good credit score and to staying out of debt. Learn about the limits you should place on your balance.
    • What Will Happen If I Stop Paying My Credit Card? Created: Tuesday, July 13, 2010 Updated: Tuesday, April 15, 2014
      Several things will happen if you stop paying your credit card and, in the long run, none of them will be good. Before you stop paying your credit card, look at some alternatives.
    • The Dangers of Debt Settlement Created: Wednesday, July 18, 2007 Updated: Tuesday, April 15, 2014
      Even though debt settlement may promise to reduce your debt, they can't promise to keep your credit in tact at the same time. Find out how debt settlement works and why it may not be the best solut...
    • 10 Things You Can Do Today To Improve Your Credit Score Created: Wednesday, July 25, 2007 Updated: Tuesday, April 15, 2014
      Bad credit isn't permanent. There are things you can do right now to improve your credit score. Get tips to raise your credit score from bad to good.
    • How to Remove a Charge-Off From Your Credit Report Created: Saturday, May 24, 2008 Updated: Tuesday, April 15, 2014
      A credit card charge-offs is one of the worst things that can happen to your credit. When you're working on credit repair, taking care of charged-off accounts helps improve your credit score.
    • How to Choose a Balance Transfer Credit Card Created: Sunday, August 05, 2007 Updated: Tuesday, April 15, 2014
      Don't be roped in by advertisements for zero percent introductory rates. Read between the lines and ask questions to make sure you're choosing the right balance transfer credit card.
    • Remove Debt Collections From Your Credit Report Created: Monday, May 26, 2008 Updated: Tuesday, April 15, 2014
      Technically, debt collections are supposed to stay on your credit report for seven years. But, there are a few ways to remove debt collections before that time comes.
    • How to Rebuild Bad Credit Created: Saturday, February 23, 2008 Updated: Tuesday, April 15, 2014
      After repairing bad credit, you need to rebuild it, prove to your creditors that you can pay your bills on time. Learn what it takes to rebuild bad credit and improve your credit score.
    • Sample Pay for Delete Letter Created: Saturday, February 28, 2009 Updated: Tuesday, April 15, 2014
      Use this sample pay for delete letter to negotiate removal of negative collection accounts and charge-offs from your credit report. Customize the letter to fit your situation.
    • What's the Statute of Limitations On Debt Created: Monday, November 05, 2007 Updated: Tuesday, April 15, 2014
      The statute of limitations on a debt keeps debt collectors from winning a lawsuit. The limit varies by state and depends on the account's last date of activity.
    • Orchard Bank Platinum MasterCard Review Created: Monday, December 20, 2010 Updated: Tuesday, April 15, 2014
      Orchard Bank, a unit of HSBC Bank, is one of the biggest credit card companies that caters to people with bad credit. It offers several different cards.
    • My Credit Card Bill is Due on a Sunday or Holiday Created: Tuesday, September 10, 2013 Updated: Tuesday, April 15, 2014
      When your credit card bill is due on a Saturday, Sunday, or even a holiday, don't assume you can pay the day after. You may be charged a late fee.
    • How to Get a Secured Credit Card Created: Sunday, October 16, 2011 Updated: Tuesday, April 15, 2014
      Getting a secured credit card is a different process from getting a regular credit card. Learn the extra steps you have to take.
    • tax lien Created: Tuesday, August 21, 2007 Updated: Tuesday, April 15, 2014
      A tax lien might be placed in the public records section of your credit report if you've failed to pay your taxes. The term "tax lein" is defined here.
    • Tips to Remember Your Credit Card Due Dates Created: Sunday, June 24, 2012 Updated: Tuesday, April 15, 2014
      At $25 each, or $35 if you've been late in the past six months, late fees are expensive. Here are some ways to remember your credit card due dates.
    • 7 Best Credit Card Payoff Calculators Created: Friday, August 21, 2009 Updated: Monday, April 14, 2014
      There are hundreds of credit card pay off calculators on the internet. Here is a list of the best.
    • Will a Bank Overdraft Hurt My Credit Score? Created: Wednesday, January 13, 2010 Updated: Monday, April 14, 2014
      Payment history is 35% of your credit score, but does that include bank overdrafts? Learn whether overdrafting your bank account will hurt your credit score.
    • State-by-State List of Statute of Limitations on Debt Created: Tuesday, December 23, 2008 Updated: Monday, April 14, 2014
      Each state has its own statute of limitations on debt - the amount of time you can be sued for a debt. Verify your state's statute of limitations on debt before you make a payment or arrangement with a debt collector.
    • CreditKarma.com Offers Free Credit Scores and Free Credit Monitoring Created: Monday, September 22, 2008 Updated: Monday, April 14, 2014
      I've been using Credit Karma for years to get my free credit score. I've never given my credit card number and never paid for the free credit score. Learn how you can get yours.
    • How To Rent An Apartment With Bad Credit Created: Wednesday, July 11, 2007 Updated: Monday, April 14, 2014
      Renting with bad credit can be easy or hard depending on where you're looking. Find out how to get around the credit check and rent an apartment even with bad credit.
    • How can I find out which collection agency I owe? Created: Tuesday, January 11, 2011 Updated: Monday, April 14, 2014
      There are a few ways you can find out which collection agency you owe. If you can't find them, they'll eventually find you.
    • 5 Credit Cards You Should Never Close Created: Monday, February 26, 2007 Updated: Saturday, April 12, 2014
      Closing a credit card might seem like a solution for a problem with your creditor or the card itself. But closing the wrong card could hurt your credit score." itemprop="de"$zTP='t3'" --> itemprop=...

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