Credit Repair
Date of Last Activity (DLA): What Is It and Does It Really Matter?
The “date of last activity,” also known as the DLA, is often discussed within the field of credit repair in a way that is inaccurate or misleading. Because of this, many consumers do not understand the DLA as it relates to their credit reports and credit scores. Credit expert John Ulzheimer busted some myths about DLAs in a Credit Countdown…
Credit Repair
Renting Out Your Property to Manage Debt: A Landlord’s Guide
If you’re burdened with a growing debt, one option is to let out a property you own or (if permitted) sublet part of a rental property. Doing this can provide a much-needed financial lifeline. The scale of debt in the US is huge. In fact, according to The Motley Fool, as of the second quarter of 2024, American households carry…
Credit Repair
How to Add Tradelines to Your Credit Report Yourself for Free
If you need credit repair, chances are you’ve asked yourself how to add tradelines to your credit report yourself. Good news: credit repair doesn’t need to be complicated. You can learn how to add tradelines for free and where to buy high-quality options with our handy guide. How Banks Calculate Credit Score The first thing you need to know is…
Credit Repair
Is Renting Better Than Owning—for You? How to Win in the Housing Market
It’s no secret that keeping a roof over your head can get expensive quickly. On average, households spend over a quarter of their household income on housing costs each year, according to the Bureau of Labor Statistics. And housing costs are on the rise. While housing costs can take a big bite out of your budget, it’s natural to wonder…
Credit Repair
Scalability Solutions of CRO and SOL
Scalability stands as a paramount challenge, dictating a blockchain’s ability to adapt to escalating transaction volumes and increasing smart contract complexities. Among the myriad of platforms grappling with this issue, CRO vs. SOL presents intriguing approaches, both in their current operations and in their forward-looking strategies. This article delves into the scalability solutions employed by CRO and SOL, offering insights…
Credit Repair
Are Tradelines Legal? Learn the Legalities of Tradelines!
Perhaps you’re interested in exchanging tradelines. Or you’ve only just learned about tradelines. Either way, you’re probably wondering, “Are tradelines legal?” There is a short answer to this question: They are legal unless they are purchased unethically. Then, tradelines are illegal. As you can imagine, this answer is a little confusing. That’s because tradelines themselves are very simple, but sorting…
Credit Repair
People’s Guide to Financial Identity Theft Protection
Identity theft is no laughing matter. When your identity is stolen, it can affect your entire financial life, from your credit to your ability to apply for loans. You want to make sure that you’re protected from identity theft. This can spell terrible trouble for your long-term finances. What’s worse is you might not even know your identity has been…
Credit Repair
The Pros and Cons of Debt Settlement Letters
The debt settlement industry has experienced significant growth, with the total debt enrolled with settlement companies reaching $45.2 billion. This reflects a growing trend of consumers seeking alternatives to manage overwhelming debt loads. Debt settlement letters, often considered a last-ditch effort to resolve outstanding debts, can be a strategic tool for those struggling under the burden of unpaid bills. These…
Credit Repair
What Is a Credit Tradeline? Learn Exactly What Tradelines Are
If you are looking to get a loan, mortgage, or show a landlord that you’re a trustworthy tenant, having an excellent financial report is essential. And tradelines are a vital part of building and maintaining a high credit score. But why are they so important? And how do they work? In this post, we will explore the basics of “what…