Masonry

One of the most frequently asked questions when a loved one dies is “does my loved one’s debt live on or die with them?”  While mourning the loss of a loved can be difficult, the added stress of dealing with their debt can exacerbate these feelings of loss. Are you responsible for what your loved one left behind?  Does your loved one’s debt live on or is it buried with them? The simple answer……it depends.

16 May, 2018

It may seem like an impossible feat, but boosting your credit score does not have to be as difficult as you think. Maintaining a good credit score can be as simple as following directions and committing to being financially responsible.  

12 May, 2018
The first thing any consumer should do when hearing from a collector is to determine if the debt is time-barred.  That is, did the statute of limitations expire on this debt. The statute of limitations, as we have blogged in the past, is the limit of time that the collector/creditor has to file a lawsuit in court seeking recovery.  Each state’s statute is different, and some states provide that a payment on the debt can restart the statute. Thus, before you agree to pay the debt, your first task is to find out when the last payment was made on that account, and what your state’s statute of limitations is for that particular kind of debt.
09 May, 2018
If you don’t understand the difference between a credit report and a credit score, you are not alone.  While both are a measure of your financial well-being, your credit report is a history report of how you have handled your debts, both past and present, and your score assigns a number to that history.
04 May, 2018

Hacking, Identity Theft, Internet Fraud, Phishing Attacks, Malware are just a few ways our personal information can be compromised. Today it is as important to protect our private data as it is to protect our personal health. With so much of our information available at a click of a button, it can be seem overwhelming trying stay secure or as secure as possible.

02 May, 2018
One of the most common questions asked in credit repair is “How long will an item stay on my credit report?” Today we’ll walk through the major derogatory accounts found on credit reports and give you an understanding of how long each may report on our credit reports.FCRA Statute of Limitations:
29 April, 2018

We're very fortunate to live in an era with limitless technology at our fingertips.

At no other point in history has it ever been so easy to start a business:

All it takes is an idea, a laptop with an internet connection, and some good old-fashioned hard work!

18 April, 2018

All too often consumers ask about credit repair…is it worthwhile, what does it cost, should I sign up?  Credit repair is a service provided by a company that helps consumers remove unwanted and inaccurate information from their credit file to help improve credit reports.  Consumers can hire a company to clean their credit or just as easily can sign up to do the work themselves.

31 March, 2018
 

The Fair Credit Reporting Act, more commonly referred to as the FCRA, is the federal statute that was enacted to protect consumer rights in the credit reporting industry.  This law is a consumer minded statute that ensures accuracy and fairness in reporting and dissemination of your financial information.  The FCRA specifically outlines consumer rights but also sets guidelines for creditors, lenders and consumer reporting agencies.

24 March, 2018