Before you can do anything about your credit situation you need to own your own power and bravely figure out just where you’re starting from.

Earlier, I wrote about Opting Out of pre-screened credit offers and direct marketing. The problem with trying to opt out of direct marketing (often known as ‘junk mail’) is that there’s no reliable permanent way to remove your name from all the mailing lists. You can call and ask to be removed from the mailing […]

An overview of the laws that govern credit and credit reports. Links to the actual laws in case you’re interested in interpreted some legal-ese.

Link to the MyMint blog post dealing with jumpstarting your credit history while you’re still young and starting from a blank slate.

The one and only source of truly free credit reports and the reasons why you might want to think twice before you take advantage of the offer.

The low-down on the three credit reporting agencies and the dark horse in the race: the Fair Isaac Credit Organization. Includes contact information for all.

Your privacy is important to me. I hate junk mail and spam as much as you. While you need to fill out a bit of personal information to post your comments here (to prevent spam comments and unwanted flames), I will not ever share that information with anyone. Ever.

Opting Out is a process of electing to to receive pre-screened credit offers, unsolicited sales offers via mail and email, or unsolicited telemarketing calls.

I am 33 years old. I got married when I was 19 and financed my college education by maxing out my student loans. We also lived well above our means by charging major purchases at furniture stores, department stores, loan agencies, banks, and on several different credit cards. At 25, my marriage fell apart, and […]

A little ramble that lets you know my starting place with my credit situation.