Ways to increase credit rating to improve FICO pt. 1

 (Session 1) 1. Obtain a credit card if you don’t have any Having and using a credit card or two can really build your credit scores. If you cannot get a regular credit card, try a secured credit card, where the bank gives you a credit line equal to the deposit you make. Look for [...]

By | 2018-07-18T15:59:08+00:00 July 18th, 2018|credit history, credit repair, Debt management, how to improve credit history, improving credit score|Comments Off on Ways to increase credit rating to improve FICO pt. 1

What Is a Bankruptcy ?

Filing bankruptcy can help you reduce or eliminate debt, halt actions that creditors have taken against you and allow you to get your finances back on track. There are several different types of bankruptcy, and a skilled attorney can guide you on the most effective path to achieving a beneficial outcome for your financial situation. [...]

By | 2018-07-09T17:42:56+00:00 July 9th, 2018|Uncategorized|Comments Off on What Is a Bankruptcy ?

Is a PO Box What You Need?

When I started my business years ago, I thought the responsible business-y thing to do was to get a Post Office box. Why? I honestly don’t know. Like business cards, it’s just one of those things (at least I use the PO Box!). Since then, I’ve found that a Post Office Box is a great [...]

By | 2018-06-14T22:55:54+00:00 June 14th, 2018|credit history, protect yourself|Comments Off on Is a PO Box What You Need?

How does Credit Score work?

Getting the facts straight about credit restoration and the credit industry can be a daunting task. There is a lot of misinformation about credit and many people are under the impression that there is nothing they can do to fix their credit score. […]

By | 2018-06-08T21:58:09+00:00 June 8th, 2018|credit history, credit repair, how to improve credit history, improving credit score|Comments Off on How does Credit Score work?

Zombie Debt

Zombie debt collection is on the rise.  Zombie debt also known as Phantom debt is an extremely old or even fictitious debt that has returned “from the dead” to “haunt” the debtor.  That amount owed on the debt can somehow grow to thousands of dollars when it was originally for a few pennies or never [...]

By | 2018-06-01T16:56:09+00:00 June 1st, 2018|credit history, credit repair|Comments Off on Zombie Debt

What should you do with your Tax Returns

With Tax Return Day just a few days behind us, those who filed on time are more than likely already thinking about what they will get back.  Statistics show that approximately two-thirds of Americans who file taxes on time will receive a refund.  While most consumers make plans for how they are going to spend [...]

By | 2018-05-23T19:27:15+00:00 May 23rd, 2018|credit history, credit repair, Debt management, how to improve credit history, improving credit score|Comments Off on What should you do with your Tax Returns

Who Should and Should NOT Have Access to Your Credit Reports

Don’t let anyone trick you, there are only some instances in which you can be required to show your credit report, and even then, only if you give consent to it. The Fair Credit Reporting Act (FCRA), is the federal statute that was created to ensure accuracy and privacy of consumer information.  Its purpose is [...]

By | 2018-05-19T12:45:01+00:00 May 19th, 2018|credit repair, FCRA, improving credit score, protect yourself|Comments Off on Who Should and Should NOT Have Access to Your Credit Reports

Does Your Debt Die With You?

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 [...]

By | 2018-05-16T22:39:34+00:00 May 16th, 2018|credit history, Debt management, how to improve credit history|Comments Off on Does Your Debt Die With You?

Boosting Your Credit Score: An Impossible Task?

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.   […]

By | 2018-05-12T01:17:27+00:00 May 12th, 2018|credit history, credit repair, Credit score to get mortgage, how to improve credit history, improving credit score|Comments Off on Boosting Your Credit Score: An Impossible Task?

To Pay or Not to Pay – That is the Question

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 [...]

By | 2018-05-09T18:57:52+00:00 May 9th, 2018|credit repair, Debt management, protect yourself|Comments Off on To Pay or Not to Pay – That is the Question

Are Credit Report And Credit ScoreThe Same?

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. [...]

By | 2018-05-04T23:42:14+00:00 May 4th, 2018|credit history, credit repair, FCRA|Comments Off on Are Credit Report And Credit ScoreThe Same?

Identity Theft and How To Avoid It

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 [...]

By | 2018-05-02T20:51:28+00:00 May 2nd, 2018|credit history, credit repair|Comments Off on Identity Theft and How To Avoid It

How long can an Item stay on your Credit History?

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: […]

By | 2018-04-29T12:47:44+00:00 April 29th, 2018|credit history, credit repair, how to improve credit history|Comments Off on How long can an Item stay on your Credit History?

Personal Loan For a Small business?

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! […]

By | 2018-04-18T19:11:54+00:00 April 18th, 2018|credit history, credit repair, Credit score to get mortgage, improving credit score, protect yourself|Comments Off on Personal Loan For a Small business?

Is it Worth Paying for Credit Repair

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 [...]

By | 2018-03-31T14:25:40+00:00 March 31st, 2018|credit repair, improving credit score, protect yourself|Comments Off on Is it Worth Paying for Credit Repair