Last week, we talked about what creditors can and cannot do under the Fair Debt Collection Practices Act (“FDCPA”). We discussed what kinds of limitations creditors and debt collectors have when they are trying to collect a debt from you. You can read more about that...

It is vitally important to have good credit today. Not only does it determine the interest rate you will pay when you buy a car or a home, but a good credit history is also a factor when you are applying for a job, renting an apartment, obtaining car insurance rates...

Are you having a hard time disputing items on your credit report? If so, you’re not alone! With the sheer volume of letters sent to the Credit Bureaus, it’s easy for letters to be overlooked. Before wasting your time and energy, let me show you a few strategies to...

If you are the average American income earner, you know the problem: Your expenditure does not jibe your regular income. So, you keep getting into more debt to offset the financial gap. This and other financial shortages mean that you are in snafus and need to...

Bad credit can affect more than you think!   We live in a fast-paced world where employee productivity and efficiency influence the survival of a business.   During these tough economic times employers are taking extensive measures to select the...

Imagine waking up every morning without the burden of financial hardship or a poor credit situation.  As you sip on your morning coffee, you’d be relaxed knowing that if you were faced with an emergency, you could get your hands on the money you needed. ...

Did you know that altogether 79% of credit reports are incorrect?  According to U.S. PIRG - a consumer group that fights for the rights of consumers - it’s common to see duplications, missing and outdated information, as well as credit history from a complete...

The first thing to know is – it takes time to repair bad credit and to increase your credit score. Repairing it can be compared to a weight loss regimen, the results are obtained gradually and there is no shortcut to achieve them overnight. The approach that will...

Have you been denied by credit card companies, or have you been turned down for a new car or a home?  What you need to know  There are two ways to repair and wipe your credit debt. One is by doing it yourself, and two is by hiring a credit repair company to...