Credit Score Lessons - Free Videos and Product Reviews

A secured credit card is for people just starting to build credit and for people who are rebuilding credit

The Universal Default Clause says that bad behavior on one credit card can impact another card's APR or other attributes

A goodwill letter is asking for an act of goodwill, e.g., asking to waive a late fee

The bureaus probably prefer online disputes as they reduce costs for them, but the FTC recommends certified mail probably so you have a paper trail

Dispute letters must be tailored to your specific needs. Our site has dispute letter examples

The key to mailing your credit dispute is getting a certified mail receipt

Note the two different dispute types and when to use each one.

Our resource area on the website provides links and tools to remove yourself from marketing lists

The Credit Reporting Agencies rebrand the FICO score models to have their own slightly different names.

Rewards cards are great for big spenders who payoff balances each month, but it you carry a balance they don't usually make sense. Higher APRs can mean you fall behind further and thus your FICO score could suffer