A 609 letter is a way to request verification of the accuracy of the accounts listed on your credit reports. While they’re ...

Cleaning up your credit reports by getting errors fixed and taking steps to address any legitimate negative information can help you improve your credit file. A clean credit report shows you’re a ...

As more people fund their purchases with BNPL loans, they’re starting to appear on credit reports, but they won’t affect your credit score for now. Here’s what to watch out for.

If you can't pay the full balance owed but want to resolve the debt, negotiating a settlement for less than the total amount ...

If you have the cash available, paying off the entire charged-off balance is often the cleanest solution to dealing with this ...

Debt collectors may cross legal lines with threats, harassment and deception. Know the red flags (and your rights).