Credit Score

Mar 19, 2023

Form 1099c credit report removal in Georgia

March 19th, 2023|Credit Repair, Credit Score|

It may be possible to get a negative tradeline reporting from your credit report after you receive an IRS Form 1099c.   Many residents of Georgia have had debt forgiven and have received numouers 1099c from banks, credit union and credit card companies.  Even after they receive them, the credit bureaus seem to still report these [...]

Jul 12, 2022

Credit Repair For Dummies in Georgia

July 12th, 2022|Credit Repair, Credit Score|

If you are asking about how credit repair works, you are no dummy.  It’s an excellent question.  It’s a multi-step process that works like this: Here's the Multi-Step Credit Repair Process For Dummies 1. In Georgia, you should pull your credit reports and review them for inaccurate or unverifiable information. These are two separate concepts.  [...]

Apr 29, 2022

Why credit repair companies can’t fix your credit reports

April 29th, 2022|Credit Repair, Credit Score|

Credit repair is a service that is desperately needed.  The credit bureaus report inaccurate information on 80% of credit reports.  Half of those inaccuracies depress peoples’ credit scores.  If you have a common name like “John Smith”, there is a good chance that someone else’s information is on your credit report.  If the other John [...]

Jan 24, 2022

If you have ever filed for bankruptcy and Webbank is a creditor, your credit report may be illegally damaged by them.

January 24th, 2022|Bankruptcy, Credit Repair, Credit Score|

Last year and 2020 were not great years for Webbank for its customers who had filed for bankruptcy.  Numerous lawsuits had been filed against Webbank for improperly reporting a discharged debt or a settled debt as open and late. So Who or What is “Webbank”? Webbank is the bank that finances companies like Fingerhut, Dell [...]

Nov 15, 2021

Your Bankruptcy May Not Have Given You That Fresh Start You Wanted. Here’s Why

November 15th, 2021|Credit Score|

5 Reasons That Might Hold You Back From Getting a Fresh Start Many people who have been drowning in debt have been seduced by their bankruptcy attorney to get a “fresh start” by filing for Chapter 7 or 13. The promises of discharging debts who have been hounding consumers for years has had great appeal, but [...]

Jan 12, 2021

How A Good Credit Score Can Give You The Financial Freedom You Deserve in 2021

January 12th, 2021|Credit Score|

Credit Repair Lawyer's Guide On How To Improve Your Credit Report If you are looking to get out of debt in 2021, there is no better place to start than your credit score. When you focus on building your credit score, you will reach financial freedom and set yourself up for better interest rates on [...]

Jan 12, 2021

5 Reasons You Should Call a Credit Repair Lawyer Before a Credit Card Consolidation

January 12th, 2021|Credit Repair, Credit Score|

Georgia's Experienced Attorneys Give Advice On Debt Consolidation  While credit card consolidation may seem like a good idea, the benefits don’t always outweigh the risk, especially if you require credit repair services. It is best to meet with a credit repair lawyer before credit card consolidation so that you are not stuck with high-interest costs [...]

Apr 27, 2020

Top 5 ways to Handle Credit Issues During COVID-19

April 27th, 2020|Credit Score, Debt Issues|

This week, 5.245 million new jobless claims were filed in the United States, which means that 22 million people have lost their jobs in the past month. In a few weeks, the unemployment rate has skyrocketed to nearly 18% due to the economic fallout of the COVID-19 pandemic. With so many people out of work, [...]

Aug 18, 2019

How Having Mortgage While Filing Chapter 13 Can Be Negative

August 18th, 2019|Bankruptcy, Credit Score, Debt Issues|

You were probably screwed on your credit report by your mortgage lender.  Mortgage loans are not dischargeable in bankruptcy, yet your mortgage lender probably reported your trade line as “included in bankruptcy.”  Guess what?  Your mortgage loan was NOT included in BK.  Hence, if you made payments to your lender AFTER you filed Chapter 13, [...]

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