Can Michigan Consumers Dispute Credit Card Charges that They Willingly Pay?
Can credit card charges that are willingly paid for still be disputed in Michigan? The Fair Credit Billing Act makes this possible in certain cases.
Jun
28, 2017
Jun
27, 2017
Credit Building Strategies for Arizona Consumers with Bad Credit and Low Credit Card Spending Limits
For Arizona consumers who are trying to rebuild low credit scores, there’s good news and bad news. Right now, it’s a little easier for consumers with subprime credit to qualify for credit cards, but these cards are typically attached to smaller spending limits. This may help consumers by making it harder to accumulate vast amounts [...]
Jun
26, 2017
Getting Dispute Flags Taken Off may be Harder than You Think
Your client has just applied for a mortgage. The problem: you have pulled her credit and there is a collection item that is flagged as "disputed". These dispute flags give you pause. You know that you cannot get your client a mortgage with any item flagged as disputed. Then you ask your client about it and [...]
Jun
23, 2017
A Credit Repair Guide for Ohio Consumers with Bad Credit
Realizing that you have bad credit is never fun. However, as an Ohio consumer, you should know that ignoring bad credit won’t make it go away. Luckily, bad credit can always be fixed. It may not happen overnight, but even severely damaged credit can rebuild over time. You might compare your credit situation with the Buckeye [...]
Jun
22, 2017
For Michigan Consumers Looking to Save Time: The Pros and Cons of Automatic Bill Payment with Debit or Credit Cards
If you’re a Michigan consumer who’s bad at keeping up with due dates, automatic bill payment with a debit or credit card can be a good strategy. Having your recurring expenses automatically paid can also save time and money spent on stamps. If you sign up for automatic payments, it's a good idea to plan [...]
Jun
21, 2017
Why Arizona Consumers should Avoid Building Debt with Store-Branded Credit Cards
Brick and mortar retailers are scrambling to stay afloat, but one of their tactics is just plain bad for consumers. It appears that many retailers are relying more and more on profits generated from store-branded credit cards. In fact, it’s difficult to go through any check-out line in an Arizona mall without being presented with [...]
Jun
20, 2017
Why Georgia Consumers May have to Fight Even Harder against Abusive Debt Collectors in the Next Few Years
Georgia consumers know all-too well what it’s like to deal with unscrupulous debt collection agencies. In fact, some experts have gone so far as referring to the Peach State a “haven for abusive debt collectors.” Now, it looks like the whole country may start to experience more debt collector abuse. Even though several of the [...]
Jun
19, 2017
How long will it take for Your Credit Score to Update if You Recently Paid Off Debt in Ohio?
A lot of Ohio consumers are working hard to pay off debt and boost their credit scores. There’s a lot of relief that comes with paying off a big chunk of debt. Afterwards, though, you might get a little impatient waiting for your credit score start showing improvement. The time it takes for your credit [...]
Jun
16, 2017
If a Michigan Consumer Disputes something on a Credit Report, Does it come off?
If you’re a Michigan consumer who’s working on improving a low credit score, you should be monitoring your credit reports. It’s important to know your credit scores too (yes, you have more than just 1), but remember that this three digit number only represents a snapshot of what’s contained in one of your credit reports. [...]
Jun
15, 2017
5 Credit Report Errors that can bring Down the Credit Scores of Arizona Consumers
As an Arizona consumer who’s working to earn and maintain a good credit score, checking your credit reports is essential. This is the only way to be sure that everything that has been reported is accurate, and that there are no errors bringing down your credit score. How common are errors on credit reports? Believe [...]
Jun
14, 2017
Six Misconceptions that Some Georgia Consumers May Have about their Credit Scores
It’s important for Georgia Consumers to have their facts straight when it comes to credit. Getting the right information about your credit reports and credit score will help you to maintain good credit or repair bad credit. Unfortunately, there are a lot of misconceptions about credit scores out there, and sometimes it’s hard to separate [...]
Jun
13, 2017
How Ohio Consumers can Find out if they’ve been Hit with Identity Theft
No one likes to think about the possibility of identity theft, but it’s important to know the warning signs and what do to if your personal data is compromised. Unfortunately, identity theft is still on the rise in Ohio, so Ohio consumers should always be on the lookout for suspicious activity. If you ever do [...]
Jun
12, 2017
How Michigan Consumers can Get Delinquent Accounts off their Credit Reports
A lot of good things are happening with the Michigan economy right now. Jobs are opening up, real estate is thriving, and a lot of Michiganders are finally getting ahead financially. However, having bad credit can make it difficult to fully take part in this economic revival. If you’re a Michigan consumer with delinquent accounts [...]
Jun
9, 2017
How New IRS Debt Collection Practices May Get Arizona Consumers Scammed
You’re enjoying a typically beautiful day in sunny Arizona, when you receive a phone call. To your irritation, it’s some type of debt collector claiming that you owe money for delinquent taxes. You quickly hang up the phone because you know the Internal Revenue Service (IRS) never calls consumers about delinquent taxes. It has to [...]
Jun
8, 2017
How Georgia Consumers can keep Medical Debt in Check and Avoid the Number One Reason for Filing Bankruptcy
Georgia consumers who are working to keep their finances on track may be surprised to learn that the number one reason for bankruptcy filings has nothing to do with credit card debt. Credit card mismanagement is still a huge problem in the U.S., but medical debt pushes many more consumers into bankruptcy. It’s scary to [...]
