Many consumers who begin the work of repairing their credit assume that the best option is to pay off collection companies as quickly as possible. What they don’t realize is that this is often not only not in their best interest, but those collection companies may not...
Many Americans struggle with maintaining good credit. At times, circumstances are beyond your control. Other times, you have the ability to avoid being considered a credit risk. The bottom line is: your creditworthiness is determined by your credit rating (called your...
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...
