Category: Credit Repair

Credit Repair by Age: Your Priorities


Credit damage isn’t a generational problem. According to data compiled by Credit Karma, credit scores by age are as follows:

  • 18-24 years old: 630
  • 25-34 years old: 628
  • 35-44 years old: 629
  • 45-54 years old: 646
  • 55+ years old: 696

If age provides wisdom, why aren’t our credit scores following suit? A 40-year-old may know more about credit than a 20-year-old, but both are faced with a unique set of financial challenges. The key to credit improvement is a dynamic focus. Keep the following priorities in mind as you age. What you learn could shed new light on credit health.

Your 20’s

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Credit Bureaus Are NOT Government Agencies?

Some people think that credit bureaus are government agencies because of the word “bureau” for one thing. Like the Bureau of Land Management or something. But they’re not. They’re privately owned companies – a couple of them are publicly traded but they’re privately owned by the investors. These are companies that are buying and selling our personal information for profit.

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Daylight Savings Time: How to Make Your Hours Count



Daylight Savings Time began Sunday, March 8 this year, springing our clocks forward by an hour. Although losing 60 minutes isn’t a drastic change, many will feel the time shift for the next week. If this sounds familiar, you’re probably in the midst of confronting personal stress. Struggling with money and credit can seem endless, like there’s never enough time to focus on the essentials. If you feel this way, implement the following tips into your life. They will help you make the most of your hours.

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Is Credit Repair Legitimate?

I love these letters from creditors most of all because they are a testament to the fact that legitimate credit repair has a place and exists and um, is the right thing to do. You know the world seems prejudiced against credit repair and I understand why. There have been many lesser players who have conducted their business unethically. Mostly by trying to use tricks of a calendar to get the credit bureaus to delete things as a result of a 30 day-timer or something. That’s not the best way to do credit repair as we’ve discussed.

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Why Choose Credit Repair? Four Reasons

All right, you aren’t financially motivated. You’ve taken the “What’s Your Credit Repair Vice?” quiz and have deemed yourself bored with the process. Whether or not you care about saving a buck, credit repair equals more money in the bank, a truth that impacts more than your bottom line. Read on to learn the non-financial reasons to choose credit repair. What you discover will put you on the right path.

Bored with credit repair, eh? Before you give up, did you know it affects:

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