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Category Archives: Credit Score

How Quickly Can Credit Worthiness Be Rebuilt After Bankruptcy?

Filing for personal bankruptcy may seem like a seven to ten year sentence. After all, that is how long it will be before you can get loans and credit cards, right? Well, not exactly. If you have a stream of income, many financial institutions may still want your business. Within a relatively short time after… Read More »

Long-Term Effects of Bankruptcy

We spend a lot of time here reassuring clients that bankruptcy is not the end of their financial lives and that many individuals and businesses come out of bankruptcy with improved financial health. This is absolutely true and we stand by it. But it is also important for people to recognize the gravity of the… Read More »

What is Actually in a Credit Report?

You could look yourself: AnnualCreditReport.com is the only source that provides truly free credit reports, once every 12 months, without asking for your credit card information, enrolling you in a “free trial” for some paid service, or pushing you to pay for various extras. And here’s what you will find: Identifying information: Includes your name,… Read More »

Putting an End to Debt Collector Harassment

Anyone can fall behind on their bills. And creditors certainly have the right to let you know that you are behind on payment and to ascertain whether you intend to pay your bills at all. But creditors do not have the right to harass you in any of the following ways: Using foul or obscene… Read More »

Avoiding Credit Repair Scams

As increasing numbers of people struggle with debt and file bankruptcy, many credit repair services have cropped up.  However, it is important to understand that some credit repair agencies do not serve the individual’s best interests and there are pitfalls you should avoid. A number of federal agencies became concerned about how credit repair agencies… Read More »

What is a Credit Score?

Your credit score can make or break you financially. It determines whether you can get a loan or credit card, it determines whether or not you’ll get a high or low interest rate, and it can even help you get your utilities turned on in your new home or apartment. A credit score is a… Read More »

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) promotes accuracy and privacy of information in consumer reports. According to this act, you have the right to review your credit report and have any incorrect information rectified. The FCRA was enacted in 1970 and has been substantially amended several times since then. Below is a summary of your… Read More »