Although you might think you only need to fix your credit report by talking to Equifax or one of the bureaus, you’ ll have the best luck if you also contact the creditor. Generally, you’ ll want to speak to the billing department because they are the o…

In today’ s struggling economy, a good credit score is more important than ever. A credit score that was good enough to get a loan in the past may not cut it as easily today. Creditors are tightening the reins on lending, while credit scores are increa…