Credit 101

A debt collector called and asked for a "good faith" small payment, should I pay it?

A debt collector called and asked for a "good faith" small payment, should I pay it?

We first must say, if you are being contacted by an original debtor, i.e. the company with whom you are positive the debt originated, and you are a...

Having a dismissed bankruptcy is worse than a completed or discharged one ?!

Having a dismissed bankruptcy is worse than a completed or discharged one ?!

We've had a number of clients come to us with a bankruptcy that has been "stubborn" or the client claims never occurred.  This is a more common pro...

What is the FCRA and how does it pertain to me?

What is the FCRA and how does it pertain to me?

While the FCRA was written and implemented to protect consumers, it is KnightFiCo's findings that a large number of debt collection company's and d...

I've got a credit card, how best can I use it to improve my credit?

I've got a credit card, how best can I use it to improve my credit?

This has been a hotly debated topic for years.  Do you pay it off entirely each month or no?  Do you pay the minimum payment, plus some, etc?  We ...

I don't want to sign a contract though!

I don't want to sign a contract though!

Let KnightFiCo be the first to inform you, federal law requires that NO credit repair or consultation company can lock you into a contract of any k...