Improve Your Credit Score
Posted May 6, 2012 – 8:08 am in: CreditHaving a good credit score will not only benefit you when applying for a loan. It could also affect the insurance rates you get, your rental applications or even job applications. A good credit score would be at least 720 on the FICO scale. If your score is lower than this, it’s not too late to take steps to raise it.
No Comments | Tags: Credit, credit report, credit score, finance, home
Avoiding Rogue Debt Relief Firms – FTC Fact Sheet May Help
Posted April 12, 2012 – 9:42 am in: CreditPersonal debt has become a major problem for many countries, including the United States, where it is estimated that the average household owes $19,000 to creditors (excluding mortgages). Much of this money is borrowed on credit cards and other forms of high interest unsecured borrowing. The options available to those US citizens who find themselves in financial difficulty due to high levels of debt, include credit counseling, debt consolidation and settlement, consolidation loans, and bankruptcy. In the past the Federal Trade Commission (FTC) has received many complaints about some organizations that operate in the credit counseling business. Consumers should exercise caution, and choose legitimate debt relief companies, which comply with all new FTC requirements.
No Comments | Tags: Credit, credit counseling, debt, Debt Consolidation, debt counseling, finance
FAFSA Application Forms
Posted February 7, 2011 – 1:20 pm in: CreditIn every college there are ways that prospective students can pay for their college education. The FAFSA financial aid system is one of the better ways that you can get the aid that you need.
No Comments | Tags: advice, College, Credit, debt, Debt Consolidation, Education, money, other, self help, Student Loans, studentscareer, teens, university
Does The Fair Debt Collection Practices Act Apply On Medical Debt?
Posted January 3, 2011 – 10:55 am in: CreditI receive email quite often asking me about medical bills and whether they are covered by the FDCPA or at what times the FDCPA applies? Will the FDCPA apply? Yes it will, but it also wont. Under the Fair Debt Collection Practices Act third-party debt is the only type that is covered. To elaborate, I will go through the typical process of a medical bill and where your rights begin and end.
No Comments | Tags: collection debt, Credit, debt, debt relief, fair debt collection practices, get out of debt
Purchasing A House – Don’t Be Fooled By An Appraisal
Posted December 30, 2010 – 7:10 pm in: CreditLots of homebuyers incorrectly presume an appraisal of a house will be the ultimate authority on its current value. For the novice homebuyer, she or he unquestioningly accepts this house value as set in stone.
No Comments | Tags: condominiums, Credit, estate, finance, foreclosures, FSBO, Investing, relocating
How Long Will A Negative Mark Remain On Your Credit Report Part Two
Posted October 31, 2010 – 8:31 am in: CreditIn the first article in this set I spoke about how long different marks stay on your credit score. I mentioned that mistakes will be removed immediately, soft inquiries will have no effect, and hard inquiries can hang around on your credit report for two years. Late payments have the capacity to do way more damage.
1 Comment | Tags: business debt collection, commercial debt solution, consumer debt collection, Credit, credit card collection, credit collection, debt collection attorney, debt collection solutions, long island collection agencies, new york collection agency
What Private Information Formulates My Credit Score?
Posted October 8, 2010 – 8:40 pm in: CreditA credit score is a quantity between 300-850 that is used by mortgage lenders, merchants, and credit card companies to decide your line of credit, your interest fees, and additional vital financial information. 90% of the businesses and lenders that check into personal credit history use the FICO (Fair Isaac Company) credit data. The closer your FICO credit score is to 850 the better.
No Comments | Tags: Credit, credit repair, credit reports, family, family finance, family finances, finance, home and family, home mortgage, Mortgage, real estate
How To Get Out Of Debt
Posted September 11, 2010 – 11:51 am in: CreditThree steps to freedom form debt:
No Comments | Tags: consumer collection agency, consumer debt collection, consumer debt collection agency, Credit, credit card collection
Brighten Your Future With Credit Score Repair
Posted September 9, 2010 – 8:26 am in: CreditThere’s no denying that times are hard, and more and more people have found themselves in the unfortunate situation of having a bad credit rating. This not only affects your life now, but can also affect your life in the future. The whole world has been having economic problems so why should any individuals be made to suffer, just because you’ve lost your job or found yourself unable to pay your bills for a while it doesn’t make you a bad person does it?
No Comments | Tags: Credit, Credit score repair, finance, Lexington law firm, Lexington law reviews
Five Tips For Improving Your Credit Score
Posted August 27, 2010 – 8:01 pm in: Credit1. Get copies of your credit report -then make sure the information is correct.
No Comments | Tags: account, accounts, bills, Credit, credit report, federal, federal trade, finance, history, improve, report, Score
Don’t Let Bad Credit History Let You Down
Posted August 3, 2010 – 8:52 pm in: CreditUnfortunately, in today’s financial climate, it is not unusual for anybody to find themselves struggling to keep their head above water. When your credit rating has dwindled to the point that you aren’t even sure if you’ll be approved for a payday loan, you know you’re in trouble. This is especially amplified by the fact that just about everything these days requires credit of some kind. So it’s not hard to see why people have started to equate their own personal value with whatever is stated by the credit companies. Some will even try bad credit lender as a solution.
No Comments | Tags: bad credit, Credit, debt, Personal Finance
Pay Credit Card Debt Off The Right Way
Posted July 10, 2010 – 9:49 am in: CreditIt seems credit cards are the norm in today’s world. The problem is many individuals lose control and are not capable to make their installments, ending up with a huge amount of debt. When you find that you are in this circumstance, you almost certainly feel as though you will never get them paid. The appropriate way to pay credit card debt off is to make a checklist and decide which debts are a priority.
No Comments | Tags: credit cards, debt, finance, finances, financial, pay off credit cards, pay off debt, Personal Finance
Divorce And Credit Card Debt
Posted June 15, 2010 – 6:40 pm in: CreditWhen a marriage comes to an end, it’s always a tragedy. Of course the rending of the family unit and the difficulty for the kids is the hardest thing about separating at divorce. But the difficulty of separating one house into two can be difficult and tedious to say the least. You have to go [...]
No Comments | Tags: debt and divorce, divorce and debt, who pays debt in divorce
Jury Awards $500,000 To California Couple In FDCPA Case
Posted June 13, 2010 – 12:10 pm in: CreditLast month, Manuel and Luz Fausto won one of the largest collection awards documented in the last couple of years under the Fair Debt Collection Practices Act (FDCPA) against Credigy Services Corporation. A California jury awarded the Faustos $500,000 in damages caused from harassment by Credigy collectors. Of the sum, granted $100,000 was for actual damages the Faustos experienced, while $400,000 was in punitive damages, granted for malicious and reckless disregard of the couples rights. According to one of the Faustos lawyers, David Humphreys of Humphreys Wallace Humphreys, P.C., and the case stemmed from a debt on a Wells Fargo charge card opened in 1992.
No Comments | Tags: Collection agency quotes, collection letter, collection letter samples, collections agencey, collections agency, commercial collections, debt collection agencies
Discover The Truth About Your Personal Credit Report
Posted June 7, 2010 – 1:46 pm in: CreditWere you aware your personal credit report can be the determining factor in your getting a job? Did you know your private credit report can cause your personal auto and life insurance rates to go up? Just for your information it can also stop you from being insured. Now did that get your attention? If [...]
No Comments | Tags: credit improvement, credit score, fico score
