Derogatory marks are negative items such as late payments, a foreclosure, a repossession or a default that can lower your credit score and stay on your credit report for years. Get more details and your options here. Read more.

If Wakefield and Associates, a U.S.-based debt collection agency, has called, there’s still hope to get them removed from your credit report. Read this article to learn your options. Read more.

When are you supposed to pay your credit card? Is it the end of the billing cycle, when you get your statement or a different date? Read this article to ensure you pay on time to protect your credit. Read more.

A negative balance on your credit card means that the credit card issuer owes you money. This may apply if you made returns, overpaid, or had fees canceled. Read on to learn your options. Read more.

Wondering if it's normal to have credit card debt and how much is too much debt? There are different factors to consider when it comes to debt. Read on for a guide on the average American credit card debt to help you get a handle on yours. Read more.

Wondering if it's a better decision to lease a car than to buy one? To determine which one is better, you’ll have to understand what is involved. Leasing is a lot like a long-term rental, while purchasing a car is more of a long term investment. So, read on to learn more about these two options. Read more.

Buying out a car lease can help save you money and avoid locking yourself in a new lease term, but it could be easier and less expensive to wait for your car lease to end and exercise your buyout option. Continue for everything you need to know about buying out your car lease. Read more.

If the repossession was accurate, it can stay on your credit report for seven years. Learn when it could be removed and how you can offset its affect your credit score. Read more.