Credit & Credit Repair

About 42% of Americans have a sub 680 credit score, and that was last check. So what about those with tarnished credit? What about those with credit that is in the process of healing? How do you build credit when you have collections and accounts with bad history on your credit report?

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I cannot tell you how many times I have been asked how settling your outstanding debt effects FICO! People I speak with in all walks of life tell me “I was told that settling my debt will lower my credit score”. Well yes and no, let [...]