Lexington Law Redux: The Best Articles of 2015

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As 2016 approaches, it’s important to look back and take stock of the past year, especially when it comes to credit repair. How did your efforts improve your life? What are your goals for the future? Ask yourself these questions as you review our top 10 articles of 2015. Their popularity and reader response illustrates our commitment to providing tangible solutions to real-life credit issues. Begin 2016 with education on your side.

  1. Fiancé and Finances: 10 Questions to Ask Before Marriage. Blending lives after marriage is an exciting time, but it can be challenging as well. Talking to your future spouse about their current debts, credit scores, and overall financial perspective is the best way to align your goals before walking down the aisle.
  2. The Impact Renting Can Have on Credit. Homeowners reap the credit benefits of a well-maintained mortgage, but few renters see the same effects on their credit reports. This article delves into the many ways a rental trade-line can improve your credit standing.
  3. Can Divorce Hurt My Credit Score? One-third of marriages end in divorce in the U.S. In addition to emotional pain, the effects of a broken relationship can damage your credit as well. This article explains the finer points of divvying up marital assets and debts and reestablishing credit independence.
  4. Five Ways to Cut Commuting Costs. 86 percent of U.S. workers commute to work by car, truck or van each day, and it’s killing their budgets. Vehicle maintenance and fuel costs are among the main reasons to consider commuting alternatives in 2016. Use the money you save to pay off debts, plan for the future and pursue other credit-savvy goals.
  5. How Long Can Negative Items Be Reported on My Credit Report? Credit repair is easier when negative items are false or inaccurate, but what about legitimate citations? Late payments, collections, judgments and bankruptcies can damage your score for years, but there is a statute of limitations for each.
  6. Ownership and Credit Health: What Spouses Need to Know. Just as divorce can affect credit, marriage has its own set of financial considerations. This article illustrates how combining lives could—for better or worse—affect credit scoring as well.
  7. Five Financial Questions for Mom. Parental wisdom is a valuable asset, and discussing money and credit with your mother is a great way to learn from her experience.
  8. What is in a Credit Score? You know you need credit, but what is it, anyway? What are the factors that determine credit? How are they calculated and weighted? This article provides an inside look into the world of credit scoring.
  9. Treat Bankruptcy as a Last Resort when Paying Off Large Medical Bills. Bankruptcy protection is inevitable for millions of Americans, and although it provides relief from debts like medical bills, it can also ruin your credit for up to 10 years. Learn more about how to approach these issues as you review this article. Bankruptcy should always be a last resort.
  10. How Many Credit Scores Do I Have? The phrase, “check your credit score,” is common, but in reality, the average consumer has more than 50 scores attached to their name. Review this article to learn how each affects your chances at securing a loan, applying for new employment and even saving money.