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ChiQ Montes Credit Material is a public blog full of information regarding Credit, Debt, Loans & Financial Topics.

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A new book says it’s different for every business. According to a new book by Michelle Dunn, writing a credit policy is a daunting task but if you don’t have one, it can cost you sales.
The book, “Become the Squeaky Wheel,” by New Hampshire author Michelle Dunn, says the different ways people use and extend [...]

Are you one of the thousands pulling your hair out trying to figure out how you’re going to pay your credit card bills? Using your credit cards wisely and sensibly will help you avoid financial problems and establish a strong credit rating, so here’s some information to help you get your credit card problems [...]

The Fair Credit Reporting Act (FCRA) requires each of the Nationwide Consumer Reporting organizations (Equifax, TransUnion and Experian) to provide you with one free credit report every 12 months per your request. This means that you are entitled to three free credit reports per year, if you deem it necessary. You can stagger the requests [...]