Credit Repair Blog2021-02-23T00:20:02+00:00

CREDIT REPAIR BLOG

How to Pay off Collections

December 19th, 2016|

Collection companies have done a great job over the years of convincing consumers that paying off collections will raise their credit scores. Many are actually surprised to learn that paying off collections will actually lower their credit scores.

Improving a FICO score

November 12th, 2016|

Payment History Tips Pay your bills on time. Delinquent payments and collections can have a major negative impact on your FICO® score. If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your credit score.

A Summary of Your Rights Under the Fair Credit Reporting Act

September 20th, 2016|

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.ftc.gov/credit or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.

Know Your Rights- How Debt Collectors Could Be Breaking the Law

May 19th, 2016|

A strong federal law, the Fair Debt Collection Practices Act, protects consumers against certain unfair collection practices. It applies only to outside or third-party debt collectors (not creditors collecting their own debts) and only for personal (not business) debts. State laws may provide additional protection.

Fixing Credit Report Errors

May 19th, 2016|

Fixing credit report errors requires knowing who to contact to resolve a variety of errors that may be found as you examine your report.

Fixed Expenses Vs. Variable Expenses

May 18th, 2016|

I get asked every week from a client, How can we separate our expenses and learn how to create a budget. My answer is usually the best way to attack a problem is to start with the problem. Ourselves? Our budget is not the problem, the money we make is

Customer Credit File Rights under State and Federal Law

April 23rd, 2016|

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate,

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