Jun 5, 2017

How to Buy a House in Arizona with Bad Credit as a First Time Home Buyer

June 5th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Property values are on the rise, but you can still find plenty of affordable houses for sale in Arizona. There are even options available for first time home buyers. However, if you have bad credit, you may be worried about getting approved for a loan. Luckily, your status as a first time home buyer with [...]

Jun 3, 2017

Georgia Victims of the 2013 Target Data Breach may Get some Satisfaction from the Settlement Reached

June 3rd, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

If it didn’t affect you personally, you may at least know someone who was a victim of the massive Target data breach of 2013. The cyber attackers who were responsible for hacking this major retailer’s computer systems gained access to personal data belonging to over 41 million consumers. This attack left consumers vulnerable to identity [...]

Jun 1, 2017

Ohio Organizations are Offering Bad Credit Borrowers a Credit Building Alternative to Payday Loans

June 1st, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

For a lot of Ohio consumers struggling with bad credit, payday loans have seemed like a necessary evil. Not being able to qualify for a “regular” loan, these consumers can get payday loans to cover emergency expenses, but the convenience of these “easy” loans comes with a big price tag. Consumers who take out payday [...]

Jun 1, 2017

Good News for Consumers in Flint, Michigan Who are Worried about their Credit Scores

June 1st, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

By now, the whole world knows that times have been tough for the residents of Flint, MI. In 2014, faulty pipes allowed dangerous amounts of lead to contaminate the city’s water supply. Recovery has been very slow, and, as of 2017, most Flint residents are still filtering their drinking water. To make the situation even [...]

May 30, 2017

Why Arizona Consumers may have Less Medical Debt Going to Debt Collections

May 30th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

A lot of Arizona consumers have been the stunned recipients of surprise medical bills. How? They are in need of a medical procedure, so they dutifully go to a hospital that’s in their insurance network. Later, they receive a large bill from an out-of-network anesthesiologist or some other type of caregiver. The bill is too [...]

May 29, 2017

Georgia Consumers Should Know that the Consumer Financial Protection Bureau is Taking Aim at Abusive Debt Collectors

May 29th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

According to a new report, Georgians are filing a record number of complaints with the Consumer Financial Protection Bureau (CFPB) against debt collectors. As it turns out, there are good reasons for this. In recent years, several Georgia-based debt collection firms have been accused of abusive debt collection practices and some have been sued under [...]

May 26, 2017

Understanding Credit Score Categories as an Ohio Consumer

May 26th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

A lot of Ohio residents are in the process of improving their credit scores right now. A credit score is a three-digit number that is calculated from information contained in your credit reports. Higher numbers are better than lower numbers when it comes to credit scores. However, in order to know whether you have “good,” [...]

May 25, 2017

Possible Bad News for Michigan Consumers with Student Loan Debt

May 25th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

The Obama administration fired five debt collection agencies for giving out inaccurate information to consumers attempting to get their student loans out of default. Now, the Trump administration is ready to welcome two of these debt collectors back. Enterprise Recovery Systems and Pioneer Credit Recovery have both accepted the Education Department’s offer of new contracts. [...]

May 24, 2017

For Arizona Consumers, What is the Best Credit Bureau to Use?

May 24th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

If you’re like other Arizona residents, you’ve taken an active interest in your credit score and credit reports. Now that the economy has taken a turn for the better, it may be time to undo some credit damage. In order to get the ball rolling with credit improvement, you’ll need to familiarize yourself with the [...]

May 23, 2017

How Georgia Consumers Can Dispute Items on their Credit Reports and Win

May 23rd, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

For all Georgia consumers who are currently trying to improve their credit scores, here’s a big tip: There’s a very good chance that there are errors on your credit reports. In fact, about 80%of consumer credit reports contain errors of some type. By finding and disputing these errors, you can have them removed. For those [...]

May 22, 2017

How do Ohio Consumers Report Identity Theft to the Credit Bureaus?

May 22nd, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Identity theft is a crime that is taken very seriously in Ohio. Characterized as a felony, even minor identity theft offenses are punishable by a 6 to 18-month prison sentence and a $2,500 fine. In the worst cases, where elderly, disabled, or active military persons are defrauded, the sentences are very stiff. Convicted identity thieves [...]

May 19, 2017

How to Improve Your Credit Score Fast to Buy a House in Michigan

May 19th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

When it comes to the housing market in Michigan, things are definitely looking up for 2017. According to RealComp.com, the current inventory of homes for sale in southeast Michigan is at a 15-year low. Property values are going up, up, and up, so if you’re looking to buy a home, now is a good time. [...]

May 18, 2017

One Less Abusive Debt Collector Targeting Arizona Consumers

May 18th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

The Federal Trade Commission wound down its Operation Collection Protection initiative early in 2017, but not before wrapping up a case against Commercial Recovery Systems Inc. and its owner. Operating out of Texas, but also targeting consumers in surrounding states, this agency violated the Fair Debt Collection Practices Act in a number of ways. Also, [...]

May 17, 2017

Thanks to the Consumer Financial Protection Bureau, Georgia Consumers May See Better Credit Reporting Practices in the Near Future

May 17th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Among the many institutions that have been targeted by the Consumer Financial Protection Bureau, the three major credit reporting bureaus are now being heavily scrutinized. TransUnion, Experian, and Equifax have all been fined and advised to “improve their quality control systems.” This may be good news for Georgia residents who are trying to improve their [...]

May 16, 2017

What Should Ohio Consumers do if a Credit Bureau Doesn’t Respond to a Dispute Letter in 30 Days?

May 16th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

An online search for anything related to “bad credit” and “Ohio” brings up a list of offers for car loans and home loans for credit-challenged consumers. Therefore, it seems reasonable to assume that, even though Ohioans are striving valiantly to earn better credit, bad credit still plagues the Buckeye State. Here’s something that may surprise [...]

Go to Top