Credit/Debt Questions

We have a credit card that we no longer use. There is an annual fee of $99. I don’t want..

Hi Terry, I have my wifes’ and my credit reporting agency accounts frozen and have had for years. We don’t..

Hello Terry. Thank you for taking the time to read and answer my question. I have $19,000 worth of credit..

I am a married 57 year old. My husband and I have a shared credit card- he is primary. I..

If I had a freeze on my credit for years , is it necessary to apply for a credit report..

My husband and I are both retired. My husband’s credit scores are 780, 775 and 797. Mine are 801, 816..

Is it better to just stop using a charge card or to cancel it completely? Does having too many store..

My question Terry is it advisable to file chapter 13 because of soo much debt that has accumulated from 2020..

Hi Terry, I have a Visa with a balance of 18K that I want to pay off. I pay well..

Years ago we purchased a rental property. Unfortunately we rented to people who did not pay on time or fully..

Hi Terry, I followed your instructions for checking for Identity theft by checking my credit reports (very helpful – thanks!)..

If I want to To check my credit at one of the free bureau’s, is it good enough to just..

How do I access free credit reports from the 3 major companies? I was able to create an account at..

How long do the 3 credit companies keep a deceased person’s records?

If I add my daughter as a authorized user on my credit card to increase her credit score, will that..

If I freeze my credit will I still be able to apply for a credit card? Thank You

My teenage daughter’s employer that she has worked for for over two years is requiring her to sign up for..

My husband died 5 months ago. Should I close or cut up his credit cards? They are paid off. Two..

Hi Terry. Do you consider it worthwhile to pay $l87 plus for identity protection?

Hi I need to negotiate my credit card interest rates diwn from 25%. They intimidate me once I start the..