About: NCES Staff

Recent Posts by NCES Staff

My credit report shows a debt I owe got “charged off”… now what?
Congratulations! You ordered a copy of your credit report. What’s that… you found a “charge off”? I bet you’re wondering what the heck that even means! Well, it means that the original creditor has given up on the hope that you wall pay your past due balance. But, the debt is NOT gone. You still owe the money… you just have to figure out...
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Three reasons to Fix Your Credit In January
Getting your credit professionally repaired is always a good idea – the end result is a cleaner, more accurate credit report, and often a higher credit score, too. But, there are some important benefits to getting your credit repaired right now at the beginning of the year. 1. Lower your 2015 medical costs. Let’s not even get started with the nationalized health insurance debate! Even...
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How to Declutter Your Credit Report
Out with the old and in with the new! It's the time of year everyone gets the declutter bug. Decluttering your credit report of incorrect and outdated information can give your credit score a boost and begin to pave the way to better credit habits throughout the year. Follow these simple instructions to help you review and tidy up your credit report as the New Year...

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