If you have credit cards keep them around 20% utilization rate when the billing cycle ends. People who say pay off fully are incorrect because then it looks lik...

If you need help start with a place like finger hut. Sounds crazy but it truly does work, I'd suggest looking into that. Also capital one SECURED credit card wo...

Bankruptcy will take roughly 10 years to fall off your credit report. If you can afford to start paying off some of your collections. It doesn't have to be full...