Debt

CapitalOne CreditWise Credit Score Reporting Service

CapitalOne Creditwise Free VantageScore Credit Report from TransUnion

Article Summary CapitalOne provides free credit scores for credit card holders through their CreditWise monitoring product. When you sign up for a credit card with CapitalOne, you get access to CreditWise as a free add-on service. CreditWise uses TransUnion data to provide CapitalOne credit card holders with a credit score calculated using the VantageScore 3.0 …

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FCRA Section 609 Dispute Letter

Can a Section 609 Dispute Letter Repair Your Credit?

People always seem to be looking for shortcuts to getting what they want. While it’s certainly true that there are more effective and efficient ways of accomplishing something as well as less efficient and less effective methods, easy shortcuts typically don’t produce what most people hope they would. This principle applies to the 609 Dispute …

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How to Get Out of Debt

How to Get Out of Debt

If you have substantial debt, you’re much like the average American, who carries a personal debt load of about $30,000. That number doesn’t even include a mortgage, which is usually considered a good kind of debt. Instead, that $30,000 average debt load (as reported by Northwestern Mutual’s 2019 Planning and Progress Study) on Americans consists …

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Debt to Income Ratio Recommendations from Wells Fargo

Wells Fargo Debt-to-Income (DTI) Guidelines and Recommendations

Wells Fargo is one of the largest lenders in the United States, one of the biggest banking institutions in the world. They offer all sorts of loans ranging from traditional home purchase mortgages to student loans, personal loans, auto loans, and business loans. Wells Fargo knows a thing or two about lending, including what causes …

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FICO Credit Score Factors

What Factors Affect Your Credit Score?

Credit Reporting Agencies and FICO Score Understanding how significantly your credit score affects your access to borrow money, you naturally want to know what factors affect your credit score. I will answer that question for you, and I’ll provide other details related to credit scores that should help you make good financial decisions as you …

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MyEdDebt.gov Defaulted Student Loan Portal

MyEdDebt.gov Debt Resolution Portal for Defaulted Student Loans and Grants

Student loan debt is having a crushing effect on current students and graduates, whose college dreams often have turned into nightmares as they realize that the job and career for which their specific degree has prepared them is likely not worth the cost of obtaining it. There are over one million people each year who …

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