by Celine I have a credit card default that went to collection. A week ago I got a letter from that collection agency with the demand to pay. I just paid them in full, but now I’m worried that it …

Do collection agencies report immediately to the credit bureaus? Read more »

by Mark I’m 28 and very bad with my financials. I’ve managed to accumulate a lot of credircard debt. I have a few late payments and other derogatory items on my report. After considering my odds I’ve decided to enroll …

Does credit counseling affect my credit score? Read more »

by Sherilyn I’m 26 and my credit score is really bad – mid 550s. I have an old $2,200 medical bill from two years ago, and another $900 outstanding credit card balance from four years ago. Both of these accounts …

Does paying charge off accounts help raise fico score Read more »