Tag Archives: Budget

Bankruptcy filing and credit repair takes time away from work and family

Leading up to your bankruptcy filing, you may have to spend a significant amount of time on the phone negotiating payments and explaining late payments to creditors. You also will probably spend a lot of time going through mail, responding … Continue reading

Posted in Bankruptcy, Building Credit, Co-signing, Collection Accounts, Understanding Your FICO Score | Tagged , , , , , , , , , , | Leave a comment

Negative Student Loans

Do you have negative student loans on your credit report? By removing student loan accounts from your credit report, you can increase your credit score and save money on interest rates. Removing negative student loan accounts from your credit history … Continue reading

Posted in Credit Management, Credit Repair, Credit Repair Mistakes, Credit Repair Professional, Credit Repair Services | Tagged , , , , , , , , , , | Leave a comment

Bankruptcy Could Interfere With JOB Opportunities

Employers are allowed to ask if you have filed for bankruptcy in the past. In their minds, this may be an indicator of whether or not you are a responsible individual. Unfortunately, some employers still review an applicant’s credit report. … Continue reading

Posted in Bad Credit or No Credit, Bankruptcy, Identity Theft, Improving Credit, Late Payments | Tagged , , , , , , , , , , , , | Leave a comment

Why Collectors Exist

When a debt collector contacts a consumer, it usually indicates that the creditor has not received a payment on the debtor’s outstanding bill for multiple months. Because these payments are typically well past their due dates, the creditor has entered … Continue reading

Posted in Bad Credit or No Credit, Bankruptcy, Budget, Co-signing, Collection Accounts, Credit Cards | Tagged , , , , , , , , , , , , , , , , , , , | Leave a comment

Improve Your Credit NOW

Perhaps surprisingly, your income has no effect whatsoever on your credit report score. In fact, it’s perfectly conceivable for a fast food employee to have a better credit score than a high level executive. Although information about your employment might … Continue reading

Posted in Applying for a Credit Card | Tagged , , , , , , , , , , , , , , , , | Leave a comment