Many are afraid to take the leap to simply find out what their credit score is. Opening the door and learning whether you have a good score, or need to work on it is a very important first move. Let’s start with the basics. What do the number ranges mean? The most common credit score…
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With a new healthcare bill in the works, this is as good of a time as ever to discuss medical credit cards. They work the same way as any credit card, except they come in handy when faced with an unexpected health expenses. They are offered at many doctors and veterinarian offices across the country…
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If you are like most people, your credit score is rarely on your mind until you decide to apply for a loan. If you need to act quickly to improve your chances on being approved for a loan, there are several things you can do. Understanding the factors that go into your credit score can…
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Many Americans have been the victim to phone harassment from credit agencies and collection companies due to unpaid bills, or even worse, errors or mistakes on their credit reports. The Fair Credit Reporting Act is a protection law that helps defend the consumer and defines what collectors are and are not allowed to do. What…
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More and more occurrences of skimming have been arising in the last decade. Victims of this offense are typically caught unaware, because their debit cards are still in their possession. However, the next time they check their balances they realize vast amounts of fraudulent activity have occurred. But how? Let’s start at the beginning. What…
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Living with debt is a difficult proposition for most. You’ve undoubtedly been told by a financial advisor or loved one that there is good debt (home mortgage, auto loan, student loans) and bad debt (overdue credit cards). Regardless of the type of debt you have, all debt comes with a statute of limitations. If you’ve…
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The month of June is drawing to a close, and the first month of summer was dominated by a number of debt collection scams and consumer reaction in the court of law. All the news that was fit to print in the world of debt collection is conveniently wrapped up in the summary below. Phantom…
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If you discovered an error on your credit report, your first reaction is undoubtedly one of frustration. You pay your bills on time, live within your means, and avoid charging too many expenses to your credit cards. Despite your best efforts, inaccuracies or complete mistakes have appeared on your credit report and are dragging down…
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Another week has come and gone, and the news stories keep rolling in across the debt collection industry. In recent weeks, lawsuits and changes to consumer protection laws have dominated headlines. By and large, that trend remains, but light has also been shed on a number of scams making the rounds in America as debt…
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The month of May is almost over, and June is right around the corner. Before you can enjoy the full swing of summer, it’s time to catch up on the trending topics dominating the debt collection industry. Sweeping regulation changes and litigation are taking up all the headlines, but there are some outlying stories worth…
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