Business Credit Repair

If you have started your own business and been late on some payments, then your business credit report could be damaged. The good news is that many of the same principles apply to repairing your business credit as it does to personal credit repair.  I will be reviewing some of the things that can [...]

How Debt and Credit Work Together

One of the major factors that determines your credit score is how much debt you have.  In fact, your credit utilization accounts for about 30% of your credit score.  Let’s take a look at how this works in a little more detail.
If you are completely overwhelmed with debt, chances are that your credit score is [...]

Remove Citibank Late Payments

If you are dealing with late payment with citibank, you need to know your options.  I can understand that having a late payment on your credit report, can be nuisance.  In addition, a late payment can prevent you from getting the mortgage that you might need or other financial applications could be declined based on [...]

Beneficial Home Mortgage

What can you do if you have a late payment on a Beneficial (HFC) home mortgage?  Well, the answer lies in: How late are you?  And will you be able to “catch up” on your payments?
Most likely if you have a late payment on your home mortgage, you are wondering how you can get this [...]

Does a Late Payment Equal 7 Years of Bad Luck?

If you have made a late payment on your bills, you may have heard that it takes 7 long years for it to be removed from your credit report.  That much is indeed true.  But how bad is a late payment, really?  Will it totally damage your credit score for seven long years?
The answer is [...]

American Express Late Payment: What to Do?

So, you have a late payment with American Express hanging around on your credit report, huh?  Maybe it was your fault, maybe it wasn’t; but either way, now its time to do something about it.
You may have heard that you can remove late payments from your credit report; however, I am here to tell you [...]

When is a Credit Card Payment Considered Late?

Obviously, when paying a credit card bill, you should pay on it as soon as possible.  However, sometimes circumstances may arise and your payment may not arrive until after the due date.  So, when does a late payment actually get reported to your credit report?
Creditors will not report a late payment to your credit report [...]

How do Chase Late Payments affect My Credit Score?

If you recently had a late payments (past 30 days overdue) to Chase, you may be wondering how it affects your credit score. Unfortunately, having a late payment with Chase will cause your credit score to go down. However, there are some things that you might be able to do.
Chase reports any payment that is [...]

Remove 30 Day Past Due Payment

Are you wondering how to remove a 30 day past due payment from your credit report?  This information will help you.  All credit card companies consider a payment to be late when it is 30 days past due (but not before that time).  This will be reported to the credit agencies and will be seen [...]

MasterCard Late Payment

Are you wondering how to handle your MasterCard Late Payment?  If you have a credit card with this company, they consider a payment to be late once it is 30 days past due.  So, if you have a payment that is 30 days late or more, your account may have moved to their collections department [...]

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