BETTER CREDIT FOR ALL Get a Free Credit Score & Advice From Our Credit Experts. Learn How To Better Manage Your Credit & Which Credit Products Are Best For You. SEARCH FOR CREDIT CARDS Show Cards. * For complete information, see the terms and conditions on the credit issuer’s website. Once you click “Apply Now”, you will be directed to the issuer’s website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate information, we show a summary to help SIMPLE LOAN CALCULATOR: EASY TO ESTIMATE MONTHLY PAYMENTS A loan calculator is an automated tool that helps you understand what monthly loan payments and the total cost of a loan might look like. You can find various types of loan calculators online, including ones for mortgages or other specific types of debt.. The loan HOW TO ADD RENT AND UTILITIES TO YOUR CREDIT REPORT Other Ways to Build Credit. Getting your rent and utility payments added to your credit report is far from the only way to build your credit. Your payment history accounts for 35% of your credit score, so the best way to build your credit is to pay all of your bills on time—every time.. If you don’t have any credit accounts, consider applying for a secured credit card or opening a credit REMOVE PAID COLLECTIONS FROM YOUR CREDIT REPORT Ask the credit bureau to remove it from your credit report using a dispute letter. If a collector keeps a debt on your credit report longer than seven years, you can dispute the debt and request it be removed. This is especially true if you have proof of the start of the

delinquency.

7 STEPS TO DEFEND A DEBT COLLECTION LAWSUIT Documentation of the chain of custody of all paperwork—in short, proof that the paperwork is accurate and came from the original creditor. Plaintiffs that can’t provide this documentation may not have the standing to bring the lawsuit. Judges often dismiss debt lawsuits because of this. 3. Push Back on Burden of Proof. HOW TO GET A HOME APPRAISAL & HOME INSPECTION The buyer is usually expected to pay for the inspection, which varies depending on the size of the home, and what the inspection will cover. Inspections usually cost between $500 and $1000; the cost of not doing a home inspection (and not catching major structural or other problems with a home) can cost you hundreds of thousands of dollars. STATUTE OF LIMITATIONS ON DEBT VARIES BY STATE. HERE IS A Statute of limitations on debt varies by state, and limits the period of time a debt collection company can pursue collections. Here's a simply state-by-state guide. A guide to understanding what your state laws are related to statute of limitations. WHAT TO DO IF YOUR BANK DOESN’T PAY YOUR REAL ESTATE TAXES A common feature of many mortgage loans is the escrow account. This is money held by your lender for the purpose of paying the periodic bills for real estate taxes and/or homeowners insurance. Unlike utilities or groceries, the bill for taxes or insurance come only a couple of times

a year.

CAN MY BANK TAKE MY SOCIAL SECURITY BENEFITS TO PAY MY A bank or credit union cannot take money out of an account where only Social Security money is deposited as a setoff for other debts owed to it. If you have a credit card or loan account with the same institution that is not being paid, that institution cannot take money out of the account to pay it unless you authorize that transfer. BETTER CREDIT FOR ALL Get a Free Credit Score & Advice From Our Credit Experts. Learn How To Better Manage Your Credit & Which Credit Products Are Best For You. SEARCH FOR CREDIT CARDS Show Cards. * For complete information, see the terms and conditions on the credit issuer’s website. Once you click “Apply Now”, you will be directed to the issuer’s website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate information, we show a summary to help SIMPLE LOAN CALCULATOR: EASY TO ESTIMATE MONTHLY PAYMENTS A loan calculator is an automated tool that helps you understand what monthly loan payments and the total cost of a loan might look like. You can find various types of loan calculators online, including ones for mortgages or other specific types of debt.. The loan HOW TO ADD RENT AND UTILITIES TO YOUR CREDIT REPORT Other Ways to Build Credit. Getting your rent and utility payments added to your credit report is far from the only way to build your credit. Your payment history accounts for 35% of your credit score, so the best way to build your credit is to pay all of your bills on time—every time.. If you don’t have any credit accounts, consider applying for a secured credit card or opening a credit REMOVE PAID COLLECTIONS FROM YOUR CREDIT REPORT Ask the credit bureau to remove it from your credit report using a dispute letter. If a collector keeps a debt on your credit report longer than seven years, you can dispute the debt and request it be removed. This is especially true if you have proof of the start of the

delinquency.

7 STEPS TO DEFEND A DEBT COLLECTION LAWSUIT Documentation of the chain of custody of all paperwork—in short, proof that the paperwork is accurate and came from the original creditor. Plaintiffs that can’t provide this documentation may not have the standing to bring the lawsuit. Judges often dismiss debt lawsuits because of this. 3. Push Back on Burden of Proof. HOW TO GET A HOME APPRAISAL & HOME INSPECTION The buyer is usually expected to pay for the inspection, which varies depending on the size of the home, and what the inspection will cover. Inspections usually cost between $500 and $1000; the cost of not doing a home inspection (and not catching major structural or other problems with a home) can cost you hundreds of thousands of dollars. STATUTE OF LIMITATIONS ON DEBT VARIES BY STATE. HERE IS A Statute of limitations on debt varies by state, and limits the period of time a debt collection company can pursue collections. Here's a simply state-by-state guide. A guide to understanding what your state laws are related to statute of limitations. WHAT TO DO IF YOUR BANK DOESN’T PAY YOUR REAL ESTATE TAXES A common feature of many mortgage loans is the escrow account. This is money held by your lender for the purpose of paying the periodic bills for real estate taxes and/or homeowners insurance. Unlike utilities or groceries, the bill for taxes or insurance come only a couple of times

a year.

CAN MY BANK TAKE MY SOCIAL SECURITY BENEFITS TO PAY MY A bank or credit union cannot take money out of an account where only Social Security money is deposited as a setoff for other debts owed to it. If you have a credit card or loan account with the same institution that is not being paid, that institution cannot take money out of the account to pay it unless you authorize that transfer. BETTER CREDIT FOR ALL Get a Free Credit Score & Advice From Our Credit Experts. Learn How To Better Manage Your Credit & Which Credit Products Are Best For You. SEARCH FOR CREDIT CARDS Show Cards. * For complete information, see the terms and conditions on the credit issuer’s website. Once you click “Apply Now”, you will be directed to the issuer’s website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate information, we show a summary to help KAKEIBO: THE JAPANESE BUDGETING SYSTEM (WITH PRINTABLES) Kakeibo is a century-old Japanese budgeting system that emphasizes mindfulness and simplicity. Here's everything you want to know plus printables to get you started REMOVE PAID COLLECTIONS FROM YOUR CREDIT REPORT Ask the credit bureau to remove it from your credit report using a dispute letter. If a collector keeps a debt on your credit report longer than seven years, you can dispute the debt and request it be removed. This is especially true if you have proof of the start of the

delinquency.

THE COST OF CONSUMER GOODS IS RISING: FIND OUT MORE The cost of consumer goods is going up and has been for decades, and the COVID-19 pandemic has made costs increase even faster. Find out more about what this means for you at Credit.com. THESE MILLIONAIRES REVEAL THEIR TOP MONEY SECRETS How do millionaires manage their finances so they stay consistently profitable? Learn what secrets these millionaires have to make the most out of their money. SHOULD I GET AN FHA OR CONVENTIONAL LOAN? The Impact of Your Credit History. Your credit history—and not just your score—can impact whether you’re approved for a mortgage or not. FHA loans do tend to be more forgiving. For example, you only have to wait two years after filing Chapter 7 bankruptcy to be eligible for consideration for an FHA loan. In some cases, you might also be able to get an FHA loan for a home before you HOW TO BUILD BUSINESS CREDIT FOR REAL ESTATE Finally, some real estate investors may qualify for a loan through the SBA or Small Business Administration. 504 loans offered by the SBA, allow the purchase of existing buildings if your business meets certain criteria. If an SBA loan is something you want to consider, contact a certified SBA lender to see if you qualify for that option. THE WORSENING STATE OF MORTGAGE AFFORDABILITY IN 2021 Looking at the top 15 most cost-burdened cities in 2020, it’s perhaps no surprise that California holds the lion’s share, with 10 entries.Los Angeles is ranked #2, with homeowners spending 41% of their income on mortgage, followed by Oakland at #3 and San Francisco at #4, where the mortgage takes up 39% of the household income.Outside of California, New York ranks #5 on the list, also at 19 BLUE CHIP STOCKS FOR INCREDIBLY RELIABLE DIVIDENDS This article originally appeared on The Financially Independent Millennial and was republished with permission.. Generally, blue chip stocks are those of the highest quality, and many provide reliable dividends. Investors may be familiar with the term blue chip stock. BETTER CREDIT FOR ALL Get a Free Credit Score & Advice From Our Credit Experts. Learn How To Better Manage Your Credit & Which Credit Products Are Best For You.

CREDIT.COM

Fresh design, still a free score. Yup, credit has never looked so

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SEARCH FOR CREDIT CARDS Show Cards. * For complete information, see the terms and conditions on the credit issuer’s website. Once you click “Apply Now”, you will be directed to the issuer’s website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate information, we show a summary to help WHAT IS VANTAGESCORE 3.0? WHAT TO KNOW The VantageScore model runs from 300 to 850. According to VantageScore, a good credit score on their model would be 661 to 780, and an excellent score would be anything above that. Here’s how it breaks down: Very poor: 300 to 499. Poor: 500 to 600. Fair: 601 to 660. Good: 661 to 780. SIMPLE LOAN CALCULATOR: EASY TO ESTIMATE MONTHLY PAYMENTS A loan calculator is an automated tool that helps you understand what monthly loan payments and the total cost of a loan might look like. You can find various types of loan calculators online, including ones for mortgages or other specific types of debt.. The loan KAKEIBO: THE JAPANESE BUDGETING SYSTEM (WITH PRINTABLES) Kakeibo is a century-old Japanese budgeting system that emphasizes mindfulness and simplicity. Here's everything you want to know plus printables to get you started 7 STEPS TO DEFEND A DEBT COLLECTION LAWSUIT Documentation of the chain of custody of all paperwork—in short, proof that the paperwork is accurate and came from the original creditor. Plaintiffs that can’t provide this documentation may not have the standing to bring the lawsuit. Judges often dismiss debt lawsuits because of this. 3. Push Back on Burden of Proof. THE BEST WAYS TO LOAN MONEY TO FRIENDS AND FAMILY Most of us are fairly generous people, and we want to help a family member or friend when we can. But the fact is, a person who can’t get a personal loan from a traditional source often has damaged credit or no credit, both of which make this borrower a greater credit risk. (There are also loans for bad credit, but perhaps this person has yet

to apply for one.)

CAN A DEBT COLLECTOR RESTART THE CLOCK ON MY OLD The statute of limitations on debt — how long a collector can sue you over a debt — varies by state. But that ticking clock can reset from the moment you pay part of it, or even if you say the wrong thing over the phone. Free Credit Consultation - Call 844-346-3296 STATUTE OF LIMITATIONS ON DEBT VARIES BY STATE. HERE IS A Statute of limitations on debt varies by state, and limits the period of time a debt collection company can pursue collections. Here's a simply state-by-state guide. A guide to understanding what your state laws are related to statute of limitations. BETTER CREDIT FOR ALL Get a Free Credit Score & Advice From Our Credit Experts. Learn How To Better Manage Your Credit & Which Credit Products Are Best For You.

CREDIT.COM

Fresh design, still a free score. Yup, credit has never looked so

good.

SEARCH FOR CREDIT CARDS Show Cards. * For complete information, see the terms and conditions on the credit issuer’s website. Once you click “Apply Now”, you will be directed to the issuer’s website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate information, we show a summary to help WHAT IS VANTAGESCORE 3.0? WHAT TO KNOW The VantageScore model runs from 300 to 850. According to VantageScore, a good credit score on their model would be 661 to 780, and an excellent score would be anything above that. Here’s how it breaks down: Very poor: 300 to 499. Poor: 500 to 600. Fair: 601 to 660. Good: 661 to 780. SIMPLE LOAN CALCULATOR: EASY TO ESTIMATE MONTHLY PAYMENTS A loan calculator is an automated tool that helps you understand what monthly loan payments and the total cost of a loan might look like. You can find various types of loan calculators online, including ones for mortgages or other specific types of debt.. The loan KAKEIBO: THE JAPANESE BUDGETING SYSTEM (WITH PRINTABLES) Kakeibo is a century-old Japanese budgeting system that emphasizes mindfulness and simplicity. Here's everything you want to know plus printables to get you started 7 STEPS TO DEFEND A DEBT COLLECTION LAWSUIT Documentation of the chain of custody of all paperwork—in short, proof that the paperwork is accurate and came from the original creditor. Plaintiffs that can’t provide this documentation may not have the standing to bring the lawsuit. Judges often dismiss debt lawsuits because of this. 3. Push Back on Burden of Proof. THE BEST WAYS TO LOAN MONEY TO FRIENDS AND FAMILY Most of us are fairly generous people, and we want to help a family member or friend when we can. But the fact is, a person who can’t get a personal loan from a traditional source often has damaged credit or no credit, both of which make this borrower a greater credit risk. (There are also loans for bad credit, but perhaps this person has yet

to apply for one.)

CAN A DEBT COLLECTOR RESTART THE CLOCK ON MY OLD The statute of limitations on debt — how long a collector can sue you over a debt — varies by state. But that ticking clock can reset from the moment you pay part of it, or even if you say the wrong thing over the phone. Free Credit Consultation - Call 844-346-3296 STATUTE OF LIMITATIONS ON DEBT VARIES BY STATE. HERE IS A Statute of limitations on debt varies by state, and limits the period of time a debt collection company can pursue collections. Here's a simply state-by-state guide. A guide to understanding what your state laws are related to statute of limitations. THESE MILLIONAIRES REVEAL THEIR TOP MONEY SECRETS How do millionaires manage their finances so they stay consistently profitable? Learn what secrets these millionaires have to make the most out of their money. THE COST OF CONSUMER GOODS IS RISING: FIND OUT MORE The cost of consumer goods is going up and has been for decades, and the COVID-19 pandemic has made costs increase even faster. Find out more about what this means for you at Credit.com. TAX DEDUCTIONS FOR TAKING CARE OF ELDERLY PARENTS Dependent Care Credit. If you paid another person to care for your parents while you worked or looked for work, you may be eligible to claim the child and dependent care tax credit. You—and, if you’re married, your spouse—must earn income during the year to qualify for the credit. Through the Dependent Care Credit, you can claim up to SHOULD I GET AN FHA OR CONVENTIONAL LOAN? The Impact of Your Credit History. Your credit history—and not just your score—can impact whether you’re approved for a mortgage or not. FHA loans do tend to be more forgiving. For example, you only have to wait two years after filing Chapter 7 bankruptcy to be eligible for consideration for an FHA loan. In some cases, you might also be able to get an FHA loan for a home before you HOW TO BUILD BUSINESS CREDIT FOR REAL ESTATE Finally, some real estate investors may qualify for a loan through the SBA or Small Business Administration. 504 loans offered by the SBA, allow the purchase of existing buildings if your business meets certain criteria. If an SBA loan is something you want to consider, contact a certified SBA lender to see if you qualify for that option. 10 WAYS TO INVEST 100K FOR RETIREMENT This article originally appeared on The Financially Independent Millennial and was republished with permission.. Are you wondering how to invest 100k? Perhaps you’ve just sold your home, inherited money, or maybe you won the lottery. CREDIT.COM - EXPERT ADVICE. BETTER FINANCIAL DECISIONS. Credit.com’s team of leading credit & money experts offer advice & tips to help you save money, gain valuable insight and make smarter financial decisions. WHAT TO DO IF YOU CAN'T AFFORD YOUR CAR PAYMENT Whether you’ve experienced sudden financial stress due to an emergency such as the coronavirus pandemic or you find yourself struggling with your debt, you might have trouble making your car payment each month. And that makes sense. According to the Quicken, transportation costs, including your car payment and fuel, make up the second-most expensive budget item for the average UNDERSTANDING YOUR PAYCHECK Thanks to the invention of direct deposit, many people never see their physical paycheck these days. And while it may be easier to have your paychecks directly deposited into your bank account than to deal with a paper check, you still need to check your paycheck stub regularly. Regularly reviewing your paycheck helps you catch inadvertent—or even purposeful—errors in your pay. HELP! CAN SELLING MY HOME MESS WITH MY CREDIT? CALL 833-337-8339. However, that means any negative information from your mortgage payment history will stick around as well. Negative information, such as a missed mortgage payment, remains on your credit report for seven years. So, it’s important to note, even after you sell a house, the impact of how you paid your mortgage can impact your BETTER CREDIT FOR ALL Get a Free Credit Score & Advice From Our Credit Experts. Learn How To Better Manage Your Credit & Which Credit Products Are Best For You.

CREDIT.COM

Fresh design, still a free score. Yup, credit has never looked so

good.

7 STEPS TO DEFEND A DEBT COLLECTION LAWSUIT Documentation of the chain of custody of all paperwork—in short, proof that the paperwork is accurate and came from the original creditor. Plaintiffs that can’t provide this documentation may not have the standing to bring the lawsuit. Judges often dismiss debt lawsuits because of this. 3. Push Back on Burden of Proof. STATUTE OF LIMITATIONS ON DEBT VARIES BY STATE. HERE IS A Statute of limitations on debt varies by state, and limits the period of time a debt collection company can pursue collections. Here's a simply state-by-state guide. A guide to understanding what your state laws are related to statute of limitations. FEDERAL TAX LIEN STATUTE OF LIMITATIONS 101 The 10-year time period people refer to is the IRS statute of limitations (or state statute of limitations), which is the amount of time that the IRS has to collect a debt from you. There’s a snag, though. Every time you take an action related to your tax debt—filing for bankruptcy, for instance—the IRS hits the pause

button on its

THE RIGHT WAY TO REMOVE SOMEONE FROM YOUR CREDIT CARD When it comes to making changes to an account, either party can close a joint account without the consent of the other. So in situations of breakup or divorce, either party can unilaterally close the account by contacting the card issuer over the phone or in writing. Once closed, the cards of both joint account holders and any authorized BETTER CREDIT FOR ALL Get a Free Credit Score & Advice From Our Credit Experts. Learn How To Better Manage Your Credit & Which Credit Products Are Best For You.

CREDIT.COM

Fresh design, still a free score. Yup, credit has never looked so

good.

7 STEPS TO DEFEND A DEBT COLLECTION LAWSUIT Documentation of the chain of custody of all paperwork—in short, proof that the paperwork is accurate and came from the original creditor. Plaintiffs that can’t provide this documentation may not have the standing to bring the lawsuit. Judges often dismiss debt lawsuits because of this. 3. Push Back on Burden of Proof. STATUTE OF LIMITATIONS ON DEBT VARIES BY STATE. HERE IS A Statute of limitations on debt varies by state, and limits the period of time a debt collection company can pursue collections. Here's a simply state-by-state guide. A guide to understanding what your state laws are related to statute of limitations. FEDERAL TAX LIEN STATUTE OF LIMITATIONS 101 The 10-year time period people refer to is the IRS statute of limitations (or state statute of limitations), which is the amount of time that the IRS has to collect a debt from you. There’s a snag, though. Every time you take an action related to your tax debt—filing for bankruptcy, for instance—the IRS hits the pause

button on its

THE RIGHT WAY TO REMOVE SOMEONE FROM YOUR CREDIT CARD When it comes to making changes to an account, either party can close a joint account without the consent of the other. So in situations of breakup or divorce, either party can unilaterally close the account by contacting the card issuer over the phone or in writing. Once closed, the cards of both joint account holders and any authorized

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Credit is complicated. ExtraCredit is not. The credit industry is a mess. You shouldn’t need five different services to manage and build your credit. And you don’t—at least not anymore. ExtraCredit is a brand-new product from Credit.com that gives you unmatched credit coverage for one, low monthly fee. SIMPLE LOAN CALCULATOR: EASY TO ESTIMATE MONTHLY PAYMENTS A loan calculator is an automated tool that helps you understand what monthly loan payments and the total cost of a loan might look like. You can find various types of loan calculators online, including ones for mortgages or other specific types of debt.. The loan HOW TO DO A SOFT CREDIT CHECK AND SEE YOUR CREDIT SCORE A Credit.com Credit Report Card: Head over to Credit.com and sign up to receive a handy credit snapshot. The Credit Report Card includes information from your Experian credit report, including your Experian VantageScore 3.0 credit score. Your report card updates every 14 days, so check back regularly to see how your score has changed. REMOVE PAID COLLECTIONS FROM YOUR CREDIT REPORT Ask the credit bureau to remove it from your credit report using a dispute letter. If a collector keeps a debt on your credit report longer than seven years, you can dispute the debt and request it be removed. This is especially true if you have proof of the start of the

delinquency.

SHOULD I GET AN FHA OR CONVENTIONAL LOAN? The Impact of Your Credit History. Your credit history—and not just your score—can impact whether you’re approved for a mortgage or not. FHA loans do tend to be more forgiving. For example, you only have to wait two years after filing Chapter 7 bankruptcy to be eligible for consideration for an FHA loan. In some cases, you might also be able to get an FHA loan for a home before you HOW TO MONTHLY MEAL PLAN ON A BUDGET This article originally appeared on Arrest Your Debt and has been republished with permission.. For many households, meal preparation on a budget can be stressful because of budget constraints and the hassle of finding various food options. 10 WAYS TO INVEST 100K FOR RETIREMENT This article originally appeared on The Financially Independent Millennial and was republished with permission.. Are you wondering how to invest 100k? Perhaps you’ve just sold your home, inherited money, or maybe you won the lottery. CAN A DEBT COLLECTOR GET INTO MY BANK ACCOUNT? How to Open a Bank Account That No Creditor Can Touch. In truth, it’s fairly rare to have a bank account that no creditor can touch. While laws in your state might help protect your accounts from private collectors, if you owe tax debt or other federal or state funds, your accounts might be up for grabs. HOW TO INVEST IN REAL ESTATE WITH A SELF-DIRECTED IRA: IS This article originally appeared on Physician on Fire and has been republished with permission.. In a standard IRA (or 401(k)), your investment options are limited to publicly traded assets like stocks, bonds, mutual funds, and ETFs. CREDIT.COM - EXPERT ADVICE. BETTER FINANCIAL DECISIONS. Credit.com’s team of leading credit & money experts offer advice & tips to help you save money, gain valuable insight and make smarter financial decisions. BETTER CREDIT FOR ALL Get a Free Credit Score & Advice From Our Credit Experts. Learn How To Better Manage Your Credit & Which Credit Products Are Best For You.

CREDIT.COM

Fresh design, still a free score. Yup, credit has never looked so good 7 STEPS TO DEFEND A DEBT COLLECTION LAWSUIT The worst has happened--you've gotten served papers for debt. But don't despair. Here are seven steps to defend yourself against a debt

collection lawsuit.

FEDERAL TAX LIEN STATUTE OF LIMITATIONS 101 Learn about the federal tax lien statute of limitations, what to do if the IRS applies a lien and how to satisfy a lien. STATUTE OF LIMITATIONS ON DEBT VARIES BY STATE. HERE IS A Statute of limitations on debt varies by state, and limits the period of time a debt collection company can pursue collections. Here's a simply state-by-state guide. A guide to understanding what your state laws are related to statute of limitations. THE RIGHT WAY TO REMOVE SOMEONE FROM YOUR CREDIT CARD There are plenty of reasons why you may want to add someone to your credit card account, either as a joint account holder or as an authorized user.But later, you might change your mind, or have a good reason to revoke that person’s access to your account. TAX DEDUCTIONS FOR TAKING CARE OF ELDERLY PARENTS Tax deductions for taking care of elderly parents can be confusing. Here's your tax credit primer for caregivers to make the process as

easy as possible.

DOES CLOSING A CREDIT CARD AFFECT YOUR CREDIT SCORE If the annual fee is the issue, Nitzsche said you can contact your issuer to see if they’ll waive it in exchange for keeping the account open. However, “if the client is in high credit card debt, then it could be in their best interest to close the account in exchange for a lower interest rate, as in a Debt Management Plan or creditor financial hardship plan,” he said. IS YOUR CAR LEASE KEEPING YOU FROM BUYING A HOME? Getting a mortgage can be difficult. Sometimes, to increase the odds of being approved or to qualify for a larger loan, prospective borrowers will pay down debts or CAN MY BANK TAKE MY SOCIAL SECURITY BENEFITS TO PAY MY If you owe on an old debt and receive Social Security payments, you may be wondering whether that money can be taken to pay for the

outstanding debt.

BETTER CREDIT FOR ALL Get a Free Credit Score & Advice From Our Credit Experts. Learn How To Better Manage Your Credit & Which Credit Products Are Best For You.

CREDIT.COM

Fresh design, still a free score. Yup, credit has never looked so good 7 STEPS TO DEFEND A DEBT COLLECTION LAWSUIT The worst has happened--you've gotten served papers for debt. But don't despair. Here are seven steps to defend yourself against a debt

collection lawsuit.

FEDERAL TAX LIEN STATUTE OF LIMITATIONS 101 Learn about the federal tax lien statute of limitations, what to do if the IRS applies a lien and how to satisfy a lien. STATUTE OF LIMITATIONS ON DEBT VARIES BY STATE. HERE IS A Statute of limitations on debt varies by state, and limits the period of time a debt collection company can pursue collections. Here's a simply state-by-state guide. A guide to understanding what your state laws are related to statute of limitations. THE RIGHT WAY TO REMOVE SOMEONE FROM YOUR CREDIT CARD There are plenty of reasons why you may want to add someone to your credit card account, either as a joint account holder or as an authorized user.But later, you might change your mind, or have a good reason to revoke that person’s access to your account. TAX DEDUCTIONS FOR TAKING CARE OF ELDERLY PARENTS Tax deductions for taking care of elderly parents can be confusing. Here's your tax credit primer for caregivers to make the process as

easy as possible.

DOES CLOSING A CREDIT CARD AFFECT YOUR CREDIT SCORE If the annual fee is the issue, Nitzsche said you can contact your issuer to see if they’ll waive it in exchange for keeping the account open. However, “if the client is in high credit card debt, then it could be in their best interest to close the account in exchange for a lower interest rate, as in a Debt Management Plan or creditor financial hardship plan,” he said. IS YOUR CAR LEASE KEEPING YOU FROM BUYING A HOME? Getting a mortgage can be difficult. Sometimes, to increase the odds of being approved or to qualify for a larger loan, prospective borrowers will pay down debts or CAN MY BANK TAKE MY SOCIAL SECURITY BENEFITS TO PAY MY If you owe on an old debt and receive Social Security payments, you may be wondering whether that money can be taken to pay for the

outstanding debt.

EXTRACREDIT

Get a Truly Free Credit Score & Personalized Advice From Our Credit Experts. Learn How To Better Manage Your Credit & Which Credit Products Are Best For You. SIMPLE LOAN CALCULATOR: EASY TO ESTIMATE MONTHLY PAYMENTS A loan calculator is an automated tool that helps you understand what monthly loan payments and the total cost of a loan might look like. You can find various types of loan calculators online, including ones for mortgages or other specific types of debt.. The loan REMOVE PAID COLLECTIONS FROM YOUR CREDIT REPORT In This Article. Removing Collection Accounts in a Nutshell. It Isn’t Always Easy. 1. Do Your Research. 2. Choose a Plan of Action If the collection is inaccurate, challenge it CREDIT.COM - EXPERT ADVICE. BETTER FINANCIAL DECISIONS. Credit.com’s team of leading credit & money experts offer advice & tips to help you save money, gain valuable insight and make smarter financial decisions. 10 WAYS TO INVEST 100K FOR RETIREMENT This article originally appeared on The Financially Independent Millennial and was republished with permission.. Are you wondering how to invest 100k? Perhaps you’ve just sold your home, inherited money, or maybe you won the lottery. HOW LONG DO THINGS STAY ON YOUR CREDIT REPORTS? Positive information can stay on indefinitely; however, most closed accounts that were paid as agreed “age off” (as it’s known in the industry) of your credit reports after ten years. HOW TO MONTHLY MEAL PLAN ON A BUDGET This article originally appeared on Arrest Your Debt and has been republished with permission.. For many households, meal preparation on a budget can be stressful because of budget constraints and the hassle of finding various food options. CAN A DEBT COLLECTOR GET INTO MY BANK ACCOUNT? How to Open a Bank Account That No Creditor Can Touch. In truth, it’s fairly rare to have a bank account that no creditor can touch. While laws in your state might help protect your accounts from private collectors, if you owe tax debt or other federal or state funds, your accounts might be up for grabs. UNDERSTANDING THE EXPENSE RATIO AND HOW IT AFFECTS YOUR This article originally appeared on Your Money Geek and has been republished with permission.. When it comes to anything in life, you don’t want to pay more for anything if you don’t have to. Not wanting to pay for anything you don’t have to is also true with investing.You want to maximize the return on any investment you have. DOES CLOSING A CREDIT CARD AFFECT YOUR CREDIT SCORE If the annual fee is the issue, Nitzsche said you can contact your issuer to see if they’ll waive it in exchange for keeping the account open. However, “if the client is in high credit card debt, then it could be in their best interest to close the account in exchange for a lower interest rate, as in a Debt Management Plan or creditor financial hardship plan,” he said.

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