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How to Erase a Tax Lien from Your Credit Report
A federal tax lien is one of those stubborn things that can stay on your credit report for years – actually seven full years after they have been paid in full. With a tax lien on your credit report, you may as well stamp “denied” on new credit applications. Not only will your credit score drop by between 50 and 200 points, you’ll also have a...
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What is a debt management plan?
On the surface, a debt management plan is pretty much what it sounds like – a plan to manage your debt. But it can take several different forms depending on how you set it up and what your goals are. Most people start looking into a debt management plan only after they are having trouble paying their credit card bills and other debts. If that’s the...
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Why do I have 3 different credit scores?
Ever wonder why you have 3 different credit scores? Lots of people ask us that question. The short answer is that you have 3 different credit scores because there are three different credit reporting companies: Experian, TransUnion, and Equifax. Each of these companies puts their own spin on the FICO scoring system to generate slightly different scores. You may not realize it, but these credit reporting companies are...
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