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read moreThe Fair Debt Collection Practices Act (FDCPA) was enacted in 1977 to curb the abusive practices of debt collectors. The law has been used in court many times and has had many interpretations over time. The CFPB has been charged with enforcing the law and guiding debt collectors and consumers with regard to the Fair. If you've been laid off recently, the last thing you will want to worry about is how your credit report will be affected by this temporary situation. There is good news and bad news for you.

read moreIn 1995, credit expert Kristy Welsh founded Credit Info Center, back when there was very little information online about credit repair. We started out small, offering free information on how to fix simple errors you might find on your credit reports. Over the next 23 years, we added more topics - credit cards, debt, mortgage loans, bankruptcy, and investing, just to name a few. We also started publishing a blog and newsletter to keep readers up-to-date. Today, Credit Info Center is the #1 source for free information on credit repair, debt settlement, credit reports, and increasing your credit score.

read moreAs tempting as bankruptcy may be, it is nothing to be entered into lightly and should always be considered as a last resort. To that end, before you file for bankruptcy, there are two things you need to do first, and in this order. One, exhaust every other possibility. Two, educate yourself about the bankruptcy process. The articles below will help you do both, on topics ranging from bankruptcy alternatives, to the means test, to finding a good bankruptcy attorney. Taking the Means Test - Before you can file chapter 7 bankruptcy, you are going to need to pass the means test.

read moreA good retirement account depends on making good investments in the years prior to retirement age. Obviously, the sooner you start making these investments, the better. But whether you are in your twenties or in your fifties, it is never too early or too late to get started. It's always a good idea to talk to a qualified financial advisor before you make any investment decisions. But this collection of articles about investment opportunities and retirement accounts is a good place to start for general information on what might work best for your financial situation and investment portfolio.

read moreFixing your credit is something you can do yourself. You just need the right resources. Our comprehensive collection of credit repair articles can help, full of free credit repair information. All the information you need is in these free resources to help you repair your credit on your own. Rather not try and fix your credit yourself? Check out our articles on credit repair companies and how credit repair services work. Either way, there is no reason to delay fixing your credit reports and getting the better credit you deserve.

read more13 Debt Settlement Myths - Debt settlement is challenging enough without misinformation steering you in the wrong direction. Take a look at the top 13 myths about how debt settlement works and tips on using a debt settlement company. Don't Confuse Debt Settlement with Debt Negotiation Companies - Settling your debts is something you can (and should) do either on your own or through a non-profit credit counseling service. What you need to be leery of are for-profit debt negotiation companies with practices that could do you more harm than good.

read moreOne of the main reasons for fixing your credit and increasing your credit score is so that you can be approved for a loan. It might be a loan for a car, a house, or an RV. Or maybe you want to borrow money so that you can start your own business. Whatever type of loan you might be after, it is imperative you have good credit so you are not only approved for a loan, but also not subjected to an outrageous interest rate. To get the best deal, shopping for a loan with the following in mind is key - fees, interest rates, terms and conditions, and contractual obligations.

read moreGet the facts about qualifying criteria, including payment history, income, debt-to-income ratio, down payment, and credit score. Balloon Loans - We tend to overestimate how much more money we'll be making in the future. Thus, the danger of the balloon loan. In exchange for lower monthly payments, you make a big lump sum at the end of the loan. What happens if you can't? Adjustable Rate Mortgage Loans - Before you sign on to an adjustable rate mortgage, make sure you understand how lenders use an index to adjust rates, how they add a margin on to the index, and how caps keep rates from skyrocketing.