Negative items on your credit report can affect your ability to obtain further credit, or a lower interest rate. You have the right to...

Repossessions happen when you fail to meet payments on an item. They can appear on your credit record and negatively impact your credit...

Judgments occur when you are taken to court in order to recover a debt. This can happen by either the original creditor or a debt...

A foreclosure happens when you have fallen behind in payments on your home loan. It is possible to remove a foreclosure from your credit...

A charge off occurs when the creditor writes off a debt after a period of time. It happens when you stopped making payments and the...

Bankruptcy is a final resort for some people. When the debts mount up and money becomes scarce, filing for bankruptcy is a way to remove...