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Personal Finance Articles

Adding a Mortgage to Your Credit Report

Mark CappelJanuary 26, 2010

The how-to and importance of adding your mortgage payment history to your credit report.

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Straw Buyer

Mark CappelJanuary 25, 2010

Both spouses have liability for debt incurred by one spouse during the marriage. However, in practice, it is rare for creditors to pursue both spouses in commun

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Should I Close My Credit Card Accounts

Mark CappelJanuary 22, 2010

I have a few credit cards that do not have a balance and they are charging me an annual fee of $50, should I close my account?

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Open Accounts on Credit Report

Mark CappelJanuary 22, 2010

Should I close my open accounts or will that hurt my Credit Score and Credit Rating?

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Illinois Property Tax Assistance

Mark CappelJanuary 22, 2010

Is there any assistance available for delinquent property taxes in Winnebago county, Illinois? Visit the Illinois property tax appeal board web page.

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Lease Termination

Mark CappelJanuary 19, 2010

Lease termination will likely have a strong negative mark on your credit profile, especially because you currently have a 756.

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Credit Card History

Mark CappelJanuary 18, 2010

You may wish to consider opening a new credit card with Chase or some other bank that offer rewards and keep the plain vanilla Chase account open and used occas

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Improve Your Credit

Mark CappelJanuary 15, 2010

Improve Your Credit | Time heals all wounds to a credit score. Making a payment early is not helpful to improve your credit score, but paying more than the...

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Credit Report Errors

Mark CappelJanuary 8, 2010

It is not uncommon to wait up to three months after paying off a collection account before a consumer will see a positive change in their credit history or cred

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Eviction & Credit Report

Mark CappelJanuary 5, 2010

Eviction and Credit Report | Not all evictions appear on a credit report. If your eviction is on your credit report, it falls off 7.5 years after...

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Michigan Mutual Savings Association Stock

Mark CappelJanuary 4, 2010

My grandfather found shares from 1924 what should he do with it?

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Compound Annual Growth Rate

Mark CappelDecember 23, 2009

Free tips on calculating the Compound Annual Growth Rate, or CAGR.

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Charge-Off & Credit Report

Mark CappelDecember 18, 2009

The fact that a debt is charged-off does not mean the debt is forgiven or canceled. Your credit report should not be your primary concern.

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Credit Freeze

Mark CappelDecember 16, 2009

Credit Freeze | A freeze prevents creditors and credit bureaus, as well as others, from using credit in your name. A freeze places a PIN number on your...

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Retirement & Taxes

Mark CappelDecember 14, 2009

Retirement and Taxes | When you cash in most retirement accounts, you have to pay taxes on the amount you liquidate. To pay the least taxes possible...

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Credit Monitoring

Mark CappelDecember 2, 2009

What is the best credit monitoring service? Equifax, Experian, and TransUnion offer $15 per month monitoring of a person's report at all three credit bureaus.

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Child Support & Credit Report

Mark CappelNovember 23, 2009

Court-ordered child support may appear on your credit report if you do not pay it.

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How Do I Start Investing in the Stock Market?

Mark CappelNovember 16, 2009

I'm interested in investing in the stock market but I don't know where to start. How do I start investing in the stock market?

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Credit History and Employment

Mark CappelNovember 2, 2009

Want to know if your Credit History can impact your employment?

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Will a Loan Modification Hurt My Credit Scores

Mark CappelOctober 30, 2009

Will a loan modification hurt my credit scores?Answer: Probably not.

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Acai Berry Negative Option Marketing Scam

Mark CappelOctober 2, 2009

I think I just got caught up in a negative option marketing scam. What can I do? How do I get out of an acai berry scam? Why is negative option marketing legal?

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Credit Score Fluctuation

Mark CappelSeptember 11, 2009

A credit card company made an error in crediting a payment, and as a result my score took a hit. How long will it take for my score to recover?

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Victim of Identity Theft

Betsalel CohenAugust 28, 2009

Victim of Identity Theft | If you receive a summons for a debt you don't you don't know you had or unknown accounts appear on your credit report, you must...

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Fixing Bad Credit With Zero Income

Mark CappelAugust 20, 2009

I am a student and I am 15k in debt. I have been looking for a job, but can't find one because of my bad credit score. I need some advice.

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Spouse's Bad Credit Affect My Credit Score? TeamAugust 10, 2009

Do not worry about your personal credit score going bad because of your spouse's bad credit score, but keep in mind...

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What is Contempt of Court?

Mark CappelAugust 6, 2009

What if someone refuses to comply with a court order by not disclosing private information to a creditor?

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Help with Financial Planning

Mark CappelJuly 21, 2009

Help with Financial Planning | Free tips and advice to help you start your financial planning, so you don't get ripped-off. Make sure that you understand how...

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Refinance home with bad credit

Mark CappelJuly 15, 2009

How to refinance your home with bad credit. Improve your credit score and qualify for a new loan.

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Credit Utilization

Mark CappelJune 19, 2009

Free advice and tips on credit utilization and credit scores from

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Credit Report Updates

Mark CappelMay 12, 2009

Learn how to update basic information found in your credit report, both online and using paper mail.

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Building Credit From Scratch

Mark CappelApril 30, 2009

A quick overview on credit scoring and 6 simply ways to build and maintain credit from scratch.

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Creditors Reporting to Credit Bureaus

Mark CappelApril 30, 2009

Unlike larger creditors, many smaller banks and individual lenders choose to not report account information to the credit reporting agencies, simply because the

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Improve Credit History

Mark CappelApril 9, 2009

See how a bankruptcy could wipe away your credit history and get the tips to rebuild your credit at

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Need to cancel contract with a shady company

Mark CappelMarch 20, 2009

Many companies on the internet promise a lot and don't deliver. See how you can get out of a scam contract at

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Tax Relief for Your IRS Bill

Mark CappelMarch 17, 2009

Review five ways to resolve IRS debt: offer in compromise, installment agreement, partial installment agreement, or not currently collectible. Save money by...

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Credit Reporting for Mortgage Repayment Plan

Mark CappelMarch 11, 2009

Creditors will report repayment plans in different ways. Learn how a mortgage repayment plan can be reported on your credit profile.

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Credit Reporting without a SSN

Mark CappelMarch 9, 2009

Creditors, including hospitals and third-party collection agencies, can report a consumer's account to the major credit bureaus without knowing the consumer's S

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Returning a Newly Purchased Vehicle

Mark CappelMarch 4, 2009

Returning a newly purchased vehicle to the dealer can be viewed as a voluntary surrender. This will severely harm your credit report and leave you with a debt.

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My Father Stole My Identity TeamFebruary 17, 2009

Read about identity theft and the precautions you need to take, all at

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Child Support and Credit Score

Mark CappelFebruary 2, 2009

Delinquent child support payments may negatively affect your credit rating, as they can be reported to the credit bureaus as a delinquent debt, read more at Bil

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Monex and Goldline for Buying Gold Reviews

Betsalel CohenDecember 29, 2008

Free reviews and advice if you are considering Monex and Goldline for Buying Gold.

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Better Credit Rating

Mark CappelDecember 23, 2008

Get advice on how to build a better credit rating at

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Should I Close My Annuity?

Mark CappelNovember 5, 2008

In these troubled economic times, it is imperative that you do all you can to safeguard your retirement accounts. Read more at

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Online Degree

Mark CappelOctober 28, 2008

Make more money with a degree. helps point you in the right direction to getting more income and a degree online.

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Tax Obligation On 401K Withdrawal

Betsalel CohenOctober 27, 2008

Learn about tax obligations due to early withdrawals form your 401k accounts. Find. Learn. Save, at

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Fix Credit

Mark CappelOctober 23, 2008

Credit report answers so you can fix your credit report.

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Available Credit Limit and Credit Score

Mark CappelOctober 21, 2008

See how your available credit limits on your credit card accounts can affect your credit score. Learn about credit scores and improve your credit at

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Debt Consolidation & Credit Rating

Mark CappelSeptember 16, 2008

Learn about the various debt consolidation options and how they impact your credit rating, all at

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Medical Debts Incurred by Minor

Mark CappelAugust 11, 2008

State law sets whether minors have liability for medical debts they incur. How a state views the doctrine of necessities may offer a clue...

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Freedom Tax Relief

Daniel CohenJuly 29, 2008

Freedom Tax Relief is a good option if you are seeking a firm to represent you and help you resolve your IRS debts.

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