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LaToya Irby

Updated Articles and Resources

By LaToya Irby

    Updated Articles and Resources
    • First Premier Bank Secured MasterCard Review Created: Tuesday, June 08, 2010 Updated: Wednesday, April 23, 2014
      The First Premier Bank Secured MasterCard has a high annual fee, a high APR, and a strict credit-limit increase policy.
    • FICO Score vs. VantageScore Created: Monday, March 15, 2010 Updated: Wednesday, April 23, 2014
      The FICO score has been around since the mid-80s. The VantageScore was launched in 2006. What are the difference between the FICO score and the VantageScore.
    • What does "account closed at grantor's request" mean? Created: Wednesday, July 30, 2008 Updated: Tuesday, April 22, 2014
      You may notice a comment "account closed at grantor's request" on some closed accounts on your credit report. The note isn't as bad as you may think.
    • 10 Worst Credit Card Mistakes You Could Make Created: Thursday, April 01, 2010 Updated: Tuesday, April 22, 2014
      If you have a credit card in your wallet, here are 10 credit card mistakes you should avoid.
    • With Credit Cards, Being a Deadbeat is a Good Thing Created: Wednesday, August 27, 2008 Updated: Tuesday, April 22, 2014
      Credit card companies make their money from interest and fees paid by cardholders. You get charged interest when you let your balance revolve.
    • How Your Debt Affects Your Credit Score Created: Tuesday, May 31, 2011 Updated: Tuesday, April 22, 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.
    • How to Remove a Charge-Off From Your Credit Report Created: Saturday, May 24, 2008 Updated: Tuesday, April 22, 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 22, 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.
    • What Will Happen If I Stop Paying My Credit Card? Created: Tuesday, July 13, 2010 Updated: Tuesday, April 22, 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.
    • What is a Good Credit Card Balance? Created: Monday, June 07, 2010 Updated: Tuesday, April 22, 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.
    • Monthly Bill Payment Checklist Created: Monday, September 24, 2012 Updated: Tuesday, April 22, 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.
    • Dos and Don'ts Of Using Credit Cards Wisely Created: Wednesday, May 16, 2007 Updated: Tuesday, April 22, 2014
      Guidelines for using credit cards the right way. Learn the way to use - and not to use - your credit card.
    • 15 Things That Hurt Your Credit Score Created: Thursday, January 03, 2008 Updated: Tuesday, April 22, 2014
      Your credit score moves up or down based on the information on your credit report. Here are some actions that can hurt your credit score.
    • Barclaycard Rewards MasterCard (Excellent Credit) Review Created: Monday, January 21, 2013 Updated: Tuesday, April 22, 2014
      The Barclaycard Rewards MasterCard for excellent credit has one of the best introductory rate offers for both balance transfers and purchases. Earn a 5,000 point bonus with your first purchase.
    • What is a Good Credit Utilization Ratio? Created: Sunday, January 17, 2010 Updated: Tuesday, April 22, 2014
      Your credit utilization affects 30% of your credit score. The higher your credit utilization ratio, the lower your credit score. The best credit utilization is 0%. A good credit utilization ratio i...
    • Sample Debt Validation Letter For Debt Collectors Created: Thursday, March 13, 2008 Updated: Tuesday, April 22, 2014
      Debt validation requests should be made in writing. Here is a sample debt validation letter you can send to collectors.
    • Should You Pay an Old Collection? Created: Wednesday, December 05, 2007 Updated: Monday, April 21, 2014
      Whether to pay an old debt is a common dilemma. If it's still on your credit report, there are more reasons to pay the old debt than there are to not pay it.
    • How to Rebuild Bad Credit Created: Saturday, February 23, 2008 Updated: Monday, April 21, 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: Monday, April 21, 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.
    • My Credit Card Bill is Due on a Sunday or Holiday Created: Tuesday, September 10, 2013 Updated: Monday, April 21, 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: Monday, April 21, 2014
      Getting a secured credit card is a different process from getting a regular credit card. Learn the extra steps you have to take.
    • Debt Validation Requires Collectors to Prove Debts Exist Created: Thursday, March 13, 2008 Updated: Monday, April 21, 2014
      Debt validation is your right question the validity of a debt collection. If the collector can't validate the debt, they can't collect from you.
    • 8 Tips to Remember Your Credit Card Due Dates Created: Sunday, June 24, 2012 Updated: Monday, April 21, 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 21, 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 21, 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 21, 2014
      Each state has its own statute of limitations on debt - the amount of time you can be sued for a debt - that can help you decide whether to 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 21, 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 21, 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 21, 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.
    • Credit Cards for Rebuilding Bad Credit Created: Wednesday, January 26, 2011 Updated: Monday, April 21, 2014
      Finding the right credit cards for rebuilding bad credit is key to improving your credit score.
    • Seven Things to Do If Your Credit Card Application is Denied Created: Tuesday, July 27, 2010 Updated: Sunday, April 20, 2014
      Having a credit card application denied is discouraging, to say the least. If your credit card application is denied, here are some things you can do to improve your chances at getting a new credit...
    • Two Ways to Pay Off Credit Card Debt Created: Sunday, September 14, 2008 Updated: Sunday, April 20, 2014
      Stumped on how to pay back your credit card debt? Here are two methods that will work.

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