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Understanding Why You Have So Many Different Credit Scores

Titan Consulting

You can request your free credit report at annualcreditreport.com , but if you want to view your credit score, you will need to pay an additional fee. In response to pressure from the CFPB (Consumer Financial Protection Bureau), most banks and credit card companies now offer free consumer credit scores as an account benefit.

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What is Debt Consolidation and How Does it Work?

Better Credit Blog

Debt consolidation is when you bundle several debts together into one larger sum and then make a single monthly repayment instead of multiple smaller ones. Consolidating debts with different interest rates and repayment schedules can make it easier to manage your finances. Debt Consolidation Guide.

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Paying Bills Later: Considering Financial Consequences of Delayed Payments Due to COVID-19

Titan Consulting

Amid economic uncertainty, and lockdowns extending through April and possibly into May, it is tempting to call creditors requesting payment extensions. Contacting the company by phone is the only way to get help, which typically includes the following: waived payments, interest, and penalties, along with suspended credit bureau reporting.

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5 Best Credit Repair Companies – Updated April 2022

Better Credit Blog

We liken credit repair companies to a plumber: you can spend the time and effort into figuring out how to fix your leak yourself, but if you don’t want the hassle, a pro may be the best option. Legal experts at credit repair companies spend all day every day negotiating with creditors and seeking resolutions to mistakes.

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7 Reasons Your Credit Score May Suddenly Drop, Even if You Never Miss a Payment

Titan Consulting

This figure is also called the utilization ratio.For example, if you have $10,000 of available credit combined on two credit cards accounts, and your outstanding (unpaid) balance combined on the two cards equals $4,000, your utilization ratio is 40%.

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