Search InCharge.org

Our Most Recent Articles

Debt Management vs Bankruptcy

By Tom Jackson | March 12, 2025

When faced with overwhelming debt, many people think bankruptcy is their only way out, but there’s another option you may not have heard about. Debt management is a debt relief…

Debt Management vs Bankruptcy

By Tom Jackson | March 12, 2025

When faced with overwhelming debt, many people think bankruptcy is their only way out, but there’s another option you may not have heard about. Debt management is a debt relief…

Numbers, Negotiation, and Know-How: How Sheree George Makes an Impact at InCharge

By Tom Jackson | March 7, 2025

For as long as she can remember, Sheree George has had a gift for untangling complicated situations, a talent that is virtually immeasurable for an organization with as many moving…

Minimum payment statement with pen and credit card.

Does Paying the Minimum Credit Card Payment Hurt Credit?

By Robert Shaw | February 21, 2025

Making the minimum payment on credit cards might seem like a friendly option in a month when money is short, but don’t mistake it for safely treading water. Yes, making…

Cartoon standing with a credit card with bandage representing credit repair.

Does Credit Repair Work?

By Sarah Brady | February 21, 2025

“Credit repair” probably sounds like it should be something helpful, right? After all, what could be wrong with wanting to repair your credit? But when it comes to financial services…

InCharge Annual Report

By Devin Joy | February 10, 2025

2024 Annual Report Our Services Our mission is to build resilient individuals, families and communities with innovative financial solutions and education. Our vision is to be the leading financial solutions…

Businessman cutting credit card on color background, closeup representing a charge-off.

What Happens When a Credit Card is Charged Off?

By Michael Knisley | January 24, 2025

You didn’t pay it, and you didn’t pay it again, and then you didn’t pay it some more, and finally, the credit card company gave up and stopped expecting you…

3d Credit card and Cancel cross icon.

Pay for Delete: Can It Really Help Your Credit?

By Tom Jackson | January 6, 2025

Wouldn’t it be great if you could make your financial mistakes disappear from the public record? You can, sort of. “Pay for Delete” is a financial strategy in which you…

3d Credit score illustration with laptop, Credit card, calculator, banknotes, and coin stack.

Why Do Lenders Look at Credit Reports?

By Bents Dulcio | January 6, 2025

Credit reports contain information that helps lenders assess risks associated with lending you money. This data gives lenders a well-rounded perspective on how you’ve managed credit in the past, which…

Couple with tablet for credit score.

Marriage and Credit Scores

By Pat McManamon | December 18, 2024

Getting married will not affect your credit score. When you say, “I do!” in exchanging wedding vows, you don’t mean exchanging credit scores. “When you get married, you have two…