Debt consolidation combines multiple debts into a single, more manageable payment, often with a lower interest rate. This can be done through loans, balance transfers, or other methods. Are you tired ...

Established industry history Lexington Law isn’t the new kid on the block—they’ve been advocating for consumer rights since 2004. Their long-lasting presence in the industry is a testament to their ...

If you’re under 18, becoming an authorized user on the credit account of a trusted family member or friend with a good credit history is another way to start building credit. Since you must be 18 ...

Being a cosigner can improve your credit history through positive account management—but it also carries risks, such as financial liability for the debt and negative impacts on your credit score if ...

Sources: Nolo and InCharge Debt Solutions Factors Affecting a Debt Collector’s Decision to Sue While the statute of limitations sets the outer boundary, debt collectors consider several factors before ...

If you’re trying to stick to a budget but still want to build your credit, you’ve likely wondered what you should use your credit card for. While you can use your credit card to pay for just about ...

According to U.S. News & World Report, 66% of divorced people had shared debt with their ex-spouse. This can complicate financial situations as both parties are still liable for the debt even after ...

Is a Cosigner on the Title of a Vehicle? In most cases, the cosigner isn’t listed on the title of the vehicle. The cosigner only pertains to the financial portion of the transaction and is not an ...

No-credit-check loans are commonly offered by payday lenders or other companies that offer extremely high interest rates or require you to put down something of value as collateral. Generally, most ...

Credit scores affect many parts our lives: whether we qualify for a loan, what interest rate we pay, even where we can rent or whether we get our dream job. But that three-digit number is a relatively ...

When you first get approved for a new credit card, it can be disheartening to see a low credit card limit, especially if you compare it to the average credit card limit in America. Credit card limits ...

Building credit with credit cards can be an excellent way to achieve financial independence, earn rewards, and make significant purchases. However, a few aspects may not be straightforward, such as ...