Practical notes for a stronger file.

Plain-language articles on credit reports, disputes, consumer rules and business credit. Educational only, not legal advice.

Are Credit Sweeps Legal? – Credit Countdown

Credit sweeps are a heavily advertised and promoted service among credit repair companies. Unfortunately for many unsuspecting consumers looking to improve their credit, the credit sweep is a fraudulent and illegal practice. John Ulzheimer, one of the nation’s…

Best Rated Credit Cards for Bad Credit in 2022

Having bad credit can make it challenging to get approved for a new credit card. Luckily there are credit cards specifically designed for consumers looking to…

Wisconsin Hospitals Revved Up Debt Collection

Researchers from Yale and Stanford reported in the journal Health Affairs that the rate of medical debt collection lawsuits in the state increased by more than…

Reading is a start. A review is the next step.

Bring what you have learned to a free 20-minute review of your own file.

Free credit review Call