Payment-HistoryYou filed bankruptcy, your debts are discharged, your case is closed, and now it’s time to rebuild your credit. So, a few months after your bankruptcy closes, you check your credit report and notice that your mortgage company is not reporting your...

If you are like millions of other Americans considering bankruptcy, you probably have concerns about how it will affect your credit score. Contrary to popular belief, bankruptcy does not permanently impact credit, nor does it ruin it. There are ways you can quickly...

About ten years ago, someone in New York City was able to open a Verizon account in my name and buy a bunch of electronics on credit. The account started showing up on my credit report, and of course, payments were not being made – so, it was delinquent. As I...