Bankruptcy

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 [...]

May 15, 2017

How Trump’s Curbing of Financial Protections May Affect Michigan Consumers

May 15th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

In the most recent version of the annual Top Ten Michigan Consumer Complaints list published annually by the Attorney General, credit and debt collection issues dominated once again. Still reeling from the Financial Crisis of 2008, many Michiganders are working to revive their credit scores. Consumers in the Mitten are also very concerned with credit [...]

May 12, 2017

How Michigan Consumers Prevent Identity Theft

May 12th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Michigan tied with four other states for having the largest amount of fraud complaints per capita. This is a huge problem for Michigan consumers. Identity theft can leave you with immediate financial losses and with long-lasting credit damage. Because identity theft is so difficult to recover from, the best strategy is to prevent it. 10 [...]

May 11, 2017

Good News for Arizona Consumers Who’ve Been Harassed by Illegal Debt Collection Activity from these Online Lenders

May 11th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Four online lenders have recently been sued by the Consumer Financial Protection Bureau (CFPB) for illegal debt collection practices. Golden Valley Lending Inc., Silver Cloud Financial, Inc., Mountain Summit Financial, Inc., and Majestic Lake Financial, Inc. are all being charged with heavy violations. Based in California, these lenders allegedly deceived borrowers in multiple states, including [...]

May 10, 2017

As a Georgia Consumer, How Do I Get Free Copies of My Credit Reports?

May 10th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

All Georgia consumers should get into the habit of regularly checking their credit reports. Under the Fair and Accurate Credit Transactions Act, you are entitled to one free copy of your credit report from each of the major credit bureaus every twelve months. This means that you literally have NO excuse not to check. Knowing [...]

May 9, 2017

Do Credit Repair Companies Work in Michigan?

May 9th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

If you are a Michigan consumer who’s struggling with bad credit, you may be looking for a quick way to improve your credit score. When you see advertisements for credit repair companies, you’re probably wondering if these agencies might have the solutions to your problems. They might, but there’s no guarantee. Credit repair companies have [...]

May 8, 2017

TOP 7 WAYS THAT ARIZONA RESIDENTS CAN STOP IDENTITY THEFT

May 8th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Unfortunately, identity theft is a big problem in Arizona. This is largely due to a lot of Americans choosing to retire in the Grand Canyon State. Sadly, identity thieves love to prey on senior citizens. However, consumers of every age can protect themselves against these identity scammers. To get you started, here are the top [...]

May 5, 2017

Top 6 things to check on your credit report after filing for bankruptcy

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

Your Bankruptcy Attorney should be especially vigilant of your credit report.  To truly get the fresh financial start that she is promising, you should have both a discharge from your debts or a plan of reorganization and a clean credit report. Bankruptcy is not a permanent kiss of death to a credit score.  The illegal [...]

May 4, 2017

How to Increase Your Credit Score Immediately in Georgia

May 4th, 2017|Bankruptcy, Credit Repair, Credit Score, Debt Issues, Identity Thefts & Scams|

Georgia residents are usually pretty patient. This is a quality that comes naturally to Southerners. However, when it comes to bad credit, you want it fixed NOW. That’s understandable. Having a low credit score limits your opportunities and makes life harder than it needs to be. Luckily, there are several ways to fix your credit, [...]

May 3, 2017

TOP FOUR TIPS FOR Ohio Residents TO IMPROVE THEIR CREDIT Score

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

Ohio has been coming back strong in the past few years. Unfortunately though, a lot of Ohio residents are still struggling with bad credit. In fact, the average credit scores of consumers living in the three biggest cities in the Buckeye State are lower than the national average (Columbus: 643.10, Cleveland: 626.55, Cincinnati: 636.31). However, [...]

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