Getting back on track after a short-term loan.
After You Pay Off a Payday Loan: A Checklist
Paid off your payday loan? Follow this checklist: get proof of payoff, cancel ACH authorizations, fix credit report errors, and start a small buffer.
What a Defaulted Payday Loan Really Costs You
Defaulting on a payday loan adds bank fees, rollover charges, collections, judgments, garnishment and credit damage. Here is each cost and how to stop it.
What Is a Goodwill Letter and When Does It Work?
A goodwill letter asks a creditor to remove an accurate late payment as a courtesy. Here is when it can work, what to include, and what to do if it fails.
How to Get Rent and Utility Payments on Your Credit Report
A step-by-step guide to adding on-time rent, phone and utility payments to your credit reports so a thin file shows how you really pay your bills.