Definitely learned this the hard way a few years back. I didn't question much at first and ended up paying a couple hundred bucks in mysterious "servi...

You're definitely onto something with smaller projects—they're manageable and can make a noticeable difference. Updating appliances or fixtures can fr...

Disputing errors directly is solid advice, but don't overlook reputable credit counseling services. A client of mine used one (non-profit, accredited)...