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How Reopening a Credit Card Can Improve Your Credit

Generally, open credit card accounts look better on your credit report than closed accounts because open accounts add to your credit history. It’s good for your credit score to have a long credit history. If you made the mistake of closing credit cards like I did and want to reopen the credit card, you can simply ask the credit card company reopen the account. However, this might result in them opening a new account.

Your best bet is to ask them beforehand whether it will show up as a new account on your credit report or the old account status will change to “open”. Best case senario, they agree to reopen the credit card.

How to Get Something Removed from Your Credit Report

So, here you go - just one phone call and your Capital One credit card got reopened. But keep in mind, that when you reopen your credit card account you should prove that you can be trusted. Capital One bank always tries to check credit history and the way you managed your credit account quick in order to provide you with reopening of your credit card account as soon as possible. If you do not work with Capital One bank yet - visit GetMyOffer.CapitalOne.com to apply for their credit card.

How to Remove Allied Interstate From Your Credit Report

Who Is Allied Interstate (and What Do They Do)? Allied Interstate is an aggressive collection agency known for purchasing old debts from other companies.   Chances are if you’re reading this, you have either received a collection letter or phone call from Allied Interstate,

How Unpaid Medical Bills Affect Your Credit

The possibility of not being able to pay your medical bill is one of the last things on your mind when you’re at a hospital emergency room. And how that unpaid medical bill could affect your credit score is probably much less of a

How to Remove TransWorld Systems From Your Credit Report

Transworld Systems is a collection agency that works with individuals, large companies, and organizations to assist them in debt recovery and past due accounts. With over 50 years of experience and a recovery record of about $6 billion for 60,000+ clients in the last

Affected by the Equifax Hack? Here Is What to Do

Equifax, one of the 3 major credit bureaus, announced on Friday, September 8th, 2017 that they were the target of a data breach back in June that will likely affect up to 143 million US customers. Since the US population in 2017 is 324

Remove LJ Ross Collections From Your Credit Report

LJ Ross Associates is a debt collection agency based out of Michigan. They specialize in debt collection for medical, utilities, government, education, and financial industries. Like most debt collection agencies, they are known for rude and unprofessional behavior. If you recently discovered LJ Ross

What Does Winning the Lottery Mean for Your Credit Score?

With the recent Powerball payout of more than $750M to a woman in Massachusetts, I thought it would be interesting to dive into how winning the lottery could potentially affect your credit score. While not every Powerball winner brings in the crazy amount of

5 Worst Credit Mistakes First Time Home Buyers Make

You’ve probably read a lot about dos and don’t when it comes to purchasing a house for the first time, but what I want to discuss in this article is related to credit. Specifically some of the credit mistakes I see people make when

LVNV Funding – Remove Them From Your Credit Report

LVNV Funding is a collection agency notorious for suing people whose debts they have purchased. If you have recently discovered a LVNV Funding collection on your credit report, or have been contacted by one of their debt collectors, keep reading to learn how to

Easily Remove Portfolio Recovery From Your Credit Report

If you’re reading this article, you may have recently been contacted by a company called Portfolio Recovery Associates. Portfolio Recovery is a collection agency that specializes in purchasing old debts from companies who have been unable to collect the debt themselves. How Portfolio Recovery

An unexpected call or letter from a debt collector can be quite unsettling. This is especially true when a debt collector starts to get aggressive and threatening, which happens often. Before we get into specifics about dealing with debt collectors, the most important thing