Often times individuals talk about how they tried disputing things online or want to dispute online because its an easier process. Simple put guys

A budget is an estimate of income and expenditure for a set period of time. It allows you to create a plan for where your money will go from month to month. It allows you to spend with purpose and help keep you on task to meet your goals.

Knowledge is key! Often times people just believe paying off an old debt will do the trick. It’s more than just that.

Your credit report is a record of your history managing and repaying debt. Your credit report contains personal information, credit account history, credit inquiries and public records. This information is reported by your lenders and creditors to the 3 credit bureaus (Experian, Equifax and TransUnion). Much of it is used to calculate your FICO® Scores to inform future lenders about your creditworthiness.

Your credit score is a three-digit number that estimates how likely you are to repay borrowed money and pay bills.