These days, it is all-too easy for Georgia consumers to sign up for subscription services that involve recurring credit card charges. Typically, these subscription services offer some type of product that appeals to a consumer’s specific tastes or needs. For example, consumers in Georgia who like cosmetics can subscribe to “beauty boxes.” Or, those drawn to popular culture might sign up for “geek boxes.” Of course, it’s fun to get a surprise-filled package in the mail every month. Also, most subscription services/boxes seem reasonably priced. However, when consumers in Georgia who have multiple subscriptions take a look at what they spend annually, they may not like what they see. This is especially true if they use credit cards to rack up heavy balances, which often leads to credit score damage.
What Georgia Consumers Should do When They Realize that they Have Low Credit Scores Due to Subscription Services
Sometimes, consumers in Georgia fall into a subscription services trap when they don’t realize that even relatively small charges add up. For example, a popular makeup company charges $10 a month for its subscription box. This seems like pocket change, but Georgia consumers who subscribe to this service pay $120 a year for the privilege. Imagine what consumers pay annually for subscription services that cost $20, $25, and $30 a month. Then, if they subscribe to multiple services, their credit card balances can go through the roof – especially if they carry balances over from month to month.
Of course, there is absolutely nothing wrong with using a subscription service if 1) It is actually useful and 2) If it comfortably fits your budget. Yet, subscribers in Georgia run into trouble when they fail to unsubscribe from services that they don’t use. Then, they are effectively throwing money out the window and unnecessarily running up credit card balances. Instead, you could cancel the unwanted services, put the saved money into an emergency fund.
By saving the money otherwise spent on unwanted products or services, Georgia consumers could bring down their credit card balances. They might also save enough money to cover unexpected expenses so that they wouldn’t have to resort to credit cards to cover a sudden bill. This would also protect their credit scores and help prevent the accumulation of debt.
Another Way for Georgia Consumers to Protect their Credit Scores
Reviewing your budget and eliminating unnecessary expenses like unwanted subscription services is one way to avoid debt and protect your credit score. However, you should also take the time to review your credit reports at least once every 12 months. This important action serves two purposes. First, when consumers in Georgia regularly review their credit reports, they can check for signs of identity theft. Next, they should look for credit score damaging errors created by creditors and the credit bureaus.
Just go to www.annualcreditreport.com, and request your free annual credit reports from TransUnion, Equifax, and Experian. Next, carefully review each credit report. If you spot signs of identity theft, such as fraudulent transactions or bogus charges, file a police report immediately. Then, contact Credit Repair Lawyers of America. Or, if you see mistakes and errors on one, two, or all three of your credit reports, call our firm right away.
We can help you resolve your credit issues quickly and legally. Whether you need to eliminate identity theft damage from credit reports or fix inaccuracies, our credit pros can help. You’ll also get access to an experienced credit attorney who will get you clean credit reports, no matter what it takes – for FREE.
The Free and Legal way to Get Better Credit in Georgia
Don’t let identity theft damage or errors on your credit reports bring your credit score down. At Credit Repair Lawyers of America, we’ve been cleaning up credit reports for consumers since 2008 for free. How do we do it? All of our fees come from the defendants in settled cases. This is why our clients pay nothing for the work we do.
Let’s start the conversation about what we can do for your credit. Set up your free consultation today by calling Attorney Gary Nitzkin at (404) 591-6680 or sending him a message through our contact page.
For more information about Free Credit Repair, please visit www.creditrepairlawyersam.com/credit-repair-free/. Or, for more information about Free Credit Repair After Identity Theft, check out https://www.creditrepairlawyersam.com/fixing-identity-theft/.