Page 18 – The Money Coach

CRTV and CVAL Credit Report Codes Explained

Decoding ‘CRTV’ And ‘CVAL’ Credit Report Codes Beyond The Basics

CRTV and CVAL credit report codes are used by credit bureaus and lenders to communicate specific account statuses on your credit report. Understanding these codes helps consumers and professionals accurately interpret credit data and resolve discrepancies. This guide explains what CRTV and CVAL mean, their implications, and how to confirm their meaning with lenders or […]

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Old Collection Accounts: What You Need to Know

How To Dispute An Incorrect Student Loan Balance On Your Credit Report

Leave a Comment / Student Loans / Abdul Qadeer / credit repair, credit report, debt collection, DOE dispute, FERPA dispute, old collection accounts, student loan dispute / November 14, 2025

Old collection accounts, especially those related to student loans, can stay on your credit report for up to seven years. These accounts can reduce your credit score and complicate future borrowing.This article explains how to dispute student loan collections, navigate government channels, and protect your credit. Key Takeaways Old collection accounts impact credit reports for

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Does Paying Off An Old Collection Account Hurt Or Help Your Credit Score?

Leave a Comment / Credit Scores / Abdul Qadeer / collection accounts, credit repair, credit report, debt collection laws, debt collectors, old collection accounts, remove collections, statute of limitations on debt / November 14, 2025

Old collection accounts can damage your credit score and affect loan approvals. These accounts usually refer to debts approaching or exceeding their seven-year reporting limit.In this article, you will learn how these accounts work, how long debt collectors can legally pursue old debts, and how to dispute or resolve them effectively. Key Takeaways Old collection

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Illustration of a credit card gauge showing a low credit utilization ratio for better credit score.

The Fastest Way To Improve Your Credit Utilization Ratio

Leave a Comment / Credit Scores / Abdul Qadeer / build credit, Credit score, credit utilization, credit utilization chart, credit utilization ratio, credit utilization ratio calculator, good credit utilization, lowering credit utilization / November 13, 2025

Your credit utilization ratio is one of the most important factors in your credit score—and one of the easiest to control. This ratio shows how much of your available credit you’re currently using. Understanding and managing it can help you improve your credit score, qualify for better loan rates, and maintain financial stability. In this

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Pay-for-Delete Letter on a desk with certified mail and a credit report in the background.

Writing A Pay-For-Delete Letter: The Exact Template To Send Debt Collectors

Leave a Comment / Debt / Abdul Qadeer / credit repair, credit report removal, Debt Settlement, pay for delete, pay-for-delete letter / November 13, 2025

A Pay-for-Delete Letter is a written offer to a debt collector to pay some or all of an outstanding balance in return for the collector removing the negative account entry from your credit report. This article explains how a pay-for-delete letter works, what to include, when it can succeed, and safer alternatives so you know

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The Power Of Dollar-Cost Averaging For New Investors

Leave a Comment / Investing / Abdul Qadeer / bitcoin investing, dollar-cost averaging, ETF investing, investing strategy, long-term investing, Risk Management / November 13, 2025

Dollar-cost averaging is one of the simplest yet most effective investing strategies for building long-term wealth. It involves investing a fixed amount of money at regular intervals, regardless of market fluctuations. In this guide, you’ll learn how dollar-cost averaging works, why it matters, and how to use it to reduce risk and grow your investments

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ETF VS Mutual Fund: Which Should You Choose In 2025?

Leave a Comment / Investing / Abdul Qadeer / etf vs mutual fund, etf vs mutual fund fees, etf vs mutual fund tax, index fund comparison, Investment Strategies / November 13, 2025

ETF vs Mutual Fund is one of the most common comparisons investors face when building a diversified portfolio. Both options allow investors to pool money into a collection of assets, but they differ in how they trade, their costs, and their tax efficiency. This guide will help you understand the distinctions and decide which investment

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Financial Planning for Freelancers: A Complete Guide

Financial Planning Tips For Freelancers And Creators

Leave a Comment / Personal Finance / Abdul Qadeer / financial planning for freelancers, freelance finance, independent contractor finances, Retirement Planning, self-employed / November 12, 2025

Financial planning for freelancers is essential for managing inconsistent income, tax obligations, and long-term financial security. Freelancers face unique challenges compared to traditional employees, including fluctuating paychecks, self-employment taxes, and the need to fund retirement independently. In this guide, you’ll learn practical strategies, tools, and examples to manage your finances confidently as a freelancer. Key

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The Ultimate Financial Wellness Checklist For 2025

Leave a Comment / Personal Finance / Abdul Qadeer / employee benefits, Financial Planning, financial wellness 2025, Financial Wellness., money management / November 12, 2025

Financial wellness 2025 highlights the growing importance of personalized, technology-driven approaches to reduce financial stress and improve economic resilience. Companies and individuals alike are adopting tools, checklists, and strategies to simplify money management and integrate it into daily life. This article explains the latest trends, practical tips, and actionable ideas for achieving financial wellness in

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How To Simplify Your Finances In 30 Days

Leave a Comment / Personal Finance / Abdul Qadeer / Budgeting, Financial Planning, money management, Personal Finance, simplify your finances / November 12, 2025

Simplify your finances by creating a clear plan, automating recurring tasks, and reducing the number of accounts you manage. Doing so lowers stress, frees time, and improves your chances of hitting savings and debt goals. In this article, you’ll learn practical steps, tools, and examples to make money management easier and more effective. Key Takeaways

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How To Reach Financial Independence Before 40

Leave a Comment / Building Wealth / Abdul Qadeer / Budgeting, early retirement, Financial Independence, investing, Personal Finance / November 12, 2025

Achieving financial independence before 40 isn’t just a dream—it’s a goal thousands are actively pursuing. This milestone means having enough savings, investments, and passive income to cover living expenses without depending on a paycheck. In this guide, you’ll learn what financial independence means, the proven strategies to reach it, and the key mistakes to avoid.

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How To Rebuild Credit After Bankruptcy

Leave a Comment / Credit Scores / Abdul Qadeer / Bankruptcy Recovery, Credit Score Improvement, debt rebuilding, rebuild credit after bankruptcy, Rebuilding Credit, secured credit cards / November 11, 2025

Learning how to rebuild credit after bankruptcy can feel overwhelming, but it’s far more achievable than most people think. While bankruptcy stays on your credit report for seven to ten years, its impact fades quickly when you demonstrate responsible financial habits.This guide explains how the process works, how long it takes, and the exact steps

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Master Your Finances: Take Control of Your Money

The Best Budget Templates To Track Your Monthly Spending

Leave a Comment / Budgeting / Lynnette Khalfani-Cox, The Money Coach / Budgeting, debt payoff, Emergency fund, Financial Planning, investing basics, master your finances, money management / November 11, 2025

Learning how to master your finances is one of the most important skills you can develop, no matter your income or background. When you understand where every dollar goes, you gain stability and control over your future.In this guide, you’ll learn the essential steps, strategies, and habits that help you take full command of your

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What Is a Prop Firm and How They Make Money in 2025

What Is a Prop Firm and How Do They Make Money?

Leave a Comment / Business / Abdul Qadeer / forex trading, funded traders, prop firms, proprietary trading, trading firms / November 11, 2025

Over the last few years, proprietary trading firms – better known as prop firms – have transformed from niche institutions into one of the most influential forces in modern trading. They’ve opened doors for talented individuals across the world, allowing them to trade substantial capital without risking their personal savings. But even as prop trading

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How To Create A Zero-Based Budget (With Examples)

Leave a Comment / Budgeting / Abdul Qadeer / Budgeting Tips, Financial Planning, money management, Personal Finance, Zero-Based Budgeting / November 11, 2025

Zero-based budgeting is a method that requires you to justify each expense from scratch instead of relying on last year’s numbers. This budgeting approach promotes intentional spending, helps uncover waste, and directs resources toward real priorities. In this guide, you’ll learn what it is, how it works, examples, mistakes to avoid, and the benefits of

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