Credit Card APR vs. Interest Rate Explained: What’s the Real Difference and Why It Matters
Understanding the Difference Between Credit Card Annual APR and Interest Rate When people hear about credit card APR vs. interest rate, they often assume they’re the same thing. However, understanding the difference between credit card [...]
Why Did My Credit Card Issuer Lower My Credit Limit After I Made a Large Payment? Understanding the Sudden Limit Drop & How to Respond
Why Did My Credit Card Issuer Lower My Credit Limit After I Made a Large Payment? If you’ve ever wondered, “Why did my credit card issuer lower my credit limit after I made a large [...]
Why You Should Not Dispute Online If You Hire a Credit Repair Company
If you’ve hired a credit repair company, you might be tempted to dispute online yourself — but here’s the key phrase: “dispute online if you hire a credit repair company.” Yes, you should not dispute [...]
Why Did One Credit Bureau Delete a Collection but the Others Have Not? — Understanding Credit Reporting Differences
If you’ve noticed that one credit bureau removed a collection account from your credit report while the others still show it, you’re not alone. In this article we explain why did one credit bureau delete [...]
Why Is My Credit Card Balance Not Showing After I Made a Payment?
If you’ve ever asked, “why is my credit card balance not showing after I made a payment?”, you’re not alone. You pay your bill expecting to see your balance drop — or disappear — only [...]
The Truth Behind the Misconception About Collections Deleted After 7 Years
There is a widespread belief that collections will be deleted after 7 years from the account open date — but that’s a misconception about collections deleted after 7 years. In fact, under the Fair Credit [...]