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What Affects Your Credit Score?

Wondering when judgments and bankruptcies will no longer appear on your credit reports? Check the dates on records in your credit report. Generally, here's how long judgments and bankruptcies will affect your credit score: Bankruptcy [...]


Considering Bankruptcy?

Dear myFICO, I've always been mindful of my credit; I have a FICO score of 732. Unfortunately, I've been out of work for 7 months and I can't afford to pay most of my monthly [...]


How to Avoid Foreclosure

When you miss your mortgage payments, foreclosure may occur. This is the legal means that your mortgage company can use to repossess (take over) your home. When this happens, you must move out of your [...]


Bankruptcy and My Bills

The underlying policy of bankruptcy law is that the honest debtor who is in debt beyond his or her ability to repay the debt should be given a fresh start through the discharge of debts [...]


Bankruptcy and Bill Collectors

One of the major benefits of filing for protection under Chapter 7 is that many creditor actions are stayed. This means that debt collection efforts and foreclosure is halted. Once a creditor or bill collector [...]


What is a Short Sale?

A short sale is when a lender accepts a discount on a mortgage to avoid a possible foreclosure auction or bankruptcy.   For Example: A homeowner, who is facing foreclosure, has an existing mortgage of $300,000 [...]


Bankruptcy and Your Credit

The US Courts reported that there were over 900,000 bankruptcy filings over the 12 months ending in March of 2008 – that's nearly a 30% jump from 2007. With so many people turning to bankruptcy [...]