Adverse credit is negative information on your credit report that lowers your credit score and can lead to loan denials or higher interest rates. Common causes include late payments, collections, public records, bankruptcy, and identity theft. You can check reports, dispute errors, and take steps to rebuild credit.
Heavy-duty paper shredders remain essential for secure disposal of high-volume, sensitive documents in businesses, schools, libraries, and government facilities. They offer higher capacity, better security (cross- or micro-cut), and maintenance features that support compliance.
Having a history of overdrafts or returned checks can block a standard checking account, but banks, credit unions and specialized account types give you options for regaining access to checking. Start by reviewing your deposit-account reports and disputing errors.