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When do I Call In a Credit Collection Agency? By : Mallory Megan You should call in a credit collection agency sooner rather than later. The longer you wait to start the collection process on overdue accounts, the less of a chance you'll have at recovering your money. Get To Know The Score: What's Up With Your Credit Report? By : Mallory Megan Your credit score is like your criminal record. Both follow you around for a very long time, and both are supposed reflections of the person you are. Only you and perhaps your lawyer know your criminal record. But your credit score can be pulled when you apply for a credit card, or go to get a new car, or even try to move in to a new place. Wait A Minute. How Long Will This Stay On My Credit Report? Part 1 By : Mallory Megan Your credit history. It could be your best friend, or your worst enemy. Usually it's like a nosy mother in law coming to visit for an extended period. You know that she's coming, and that's always bad news, but you are too afraid to ask or even consider how long she will be staying. Even though that was the worst analogy ever, read on to see how long negative marks should remain on your credit history! Home Equity Loans 101 By : Frank Kelly A secured home loan differs from an unsecured loan in that the secured loan borrows against one's home as collateral, thereby reducing the risk to the lender.