Articles by Laura Stokleson

Continental Finance Gold Card - Review
Often those with damaged credit don't qualify for an unsecured credit card but the Continental Finance Gold Card can offer you the best of both worlds but beware of the higher than normal processing and annual fees making up a large portion of your initial credit balance.
Published 07Dec2011, viewed 105 times

My Credit Report - How To Read It and What Each Item Means
It may look complicated but with a little bit of studying, it's easy. Let's look at how to read a credit report.
Published 01Dec2011, viewed 114 times

How To Settle A Debt With A Collection Agency
Out of all of the pieces of financial advice that you can learn, finding out how to settle a debt with a collection agency is one of the most very important. By understanding a few simple points regarding debts of this type, you can save yourself large amounts of money and help restore your credit rating.
Published 21Nov2011, viewed 84 times

Is Credit Repair Legal?
This a question often asked by those looking for ways of improving their credit score. With more and more consumers struggling to be approved for credit in this tough financial climate, an increasing number of companies are offering to help improve individual's credit scores. But are their methods legal?
Published 20Nov2011, viewed 146 times

Defaulted Student Loans - What May Happen?
For the majority of student loans, a default will occur if the loan has not been repaid for 270 days in the case of a loan repaid in monthly installments, and 330 days for those repaid in other types of installments.
Published 20Nov2011, viewed 107 times

What Can Credit Repair Services Do?
In short you can do everything that a professional service can do for you. You will file a credit dispute with the bureaus and they will have to respond accordingly. The Fair Credit Reporting Act of 1970 is what gives the right to dispute an item on your report. This law also says an item can remain for a maximum of seven years on your credit file. Additionally it requires the bureaus to investigate you dispute.
Published 30Oct2011, viewed 76 times

Dispute Credit Reports - What You Must Do
To dispute an item on your credit report you need to write a dispute letter. In this letter you must have the reason for the dispute, your name, and the item you want to challenge. The bureaus will investigate this item; they will contact the lender and ask them to verify it. They will check that the account exists, the balance, and the dates.
Published 30Oct2011, viewed 74 times

How Can I Repair My Credit Rating?
If you find yourself asking this question, realize you are not alone. Many individuals are suffering from past financial mistakes. In a study performed it was estimated that approximately 25% of all credit reports contain an error, this error could be hurting your overall score.
Published 21Oct2011, viewed 77 times

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