The credit card companies are sending many disclosures to people who have their credit cards. The letters or disclosures often start with certain terms of your card holder agreement (Agreement) governing the credit card account (Account) have changed. Usually the credit card company will summarize the changes in Part I below, unless they previously notified […]

Many people turn to debt management agencies as a way of restructuring their debt. The goal of rearranging debt is to eventually pay off the amount owed and prevent the necessity of filing for bankruptcy. However, not everyone makes the most of debt management. This can lead to situations where more debt is accumulated and […]

What is a credit score? A credit score is a number that lenders, landlords and prospective employers use to predict how an individual will handle obligations like repaying a loan or paying rent on time. How is my credit score used? When you apply for credit, the lender uses your FICO score to measure risk […]