Collections typically stay on your credit report for 7 years. Find out when they fall off and what this means for your credit score. Read more.

Covington Credit is a financial services provider whose business includes offering loans to people who don’t typically qualify for most types of credit. Read more.

CMRE Financial Services provides debt collection and management services to healthcare providers such as hospitals, dental practices, and ambulance services. Read more.

Harris & Harris is a debt collection company that purchases debt from creditors such as healthcare providers, utility companies, and government agencies. Read more.

Wells Fargo Dealer Services (WFDS) is the bank’s auto financing department, which has nearly 11,000 dealerships nationwide. We'll explain how they affect you. Read more.

AMEX/DSNB stands for American Express/Department Stores National Bank. You may see it on your report if you have a Macy's Inc. or Bloomingdale AMEX card. Read more.

Unless a third-party service is reporting your payment activity, utility bills are typically not reported and will not appear on your credit reports. Read more.

Phone bills are typically not reported to the major credit bureaus since they are not considered credit accounts. We'll explain how they can affect you. Read more.