A goodwill letter usually asks creditors to overlook the past due bill and accept your payment as if it had been received on time. The end result is left up to the creditor to decide whether or not to erase any negative marks on your credit report.

Landlords perform credit checks to make sure that a rental applicant appears trustworthy and has a solid history of making payments on time. You can take several steps to pass your next rental credit check with flying colors.

A recent class-action lawsuit has led to a settlement of approximately $7.5 billion for student loan borrowers who claim the Department of Education, under the Trump administration, had intentionally not followed regulations implemented by the Obama administration, which led to many people having their debt relief claims denied.

For some people, it takes a lot of work and time to push themselves from bad credit to good credit. Whatever the case, people want to know the magic fix to clean up their credit.