Credit Repair

When your credit score is 530, the financial world has one door left open for you: the secured credit card. Every other door — regular cards, good interest rates, favorable loan terms — is closed. I know because I tried knocking on them. A secured card isn’t glamorous. There are no signup bonuses. No travel … Read more

In 2023, I sat in my car in a courthouse parking lot and looked at my credit score on my phone. 530. That number doesn’t tell you about the joint credit cards that got run up during a marriage that was falling apart. It doesn’t tell you about the missed payments that piled up while … Read more