Identity theft and data breaches have become everyday risks. Even if you’re careful, your personal information may already be circulating online. One of the simplest and most effective ways to protect yourself is by placing a credit freeze on your credit reports. A credit freeze
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Archives for Credit Reporting
We Help Our Clients with a Free Credit Review after Bankruptcy
The purpose of filing for Bankruptcy Protection is to eliminate certain debts. Once you’ve filed your petition, completed the 2nd counseling course, and attended your Meeting of Creditors, you should receive a Discharge Order, which is the official document signaling that debts such as credit
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DEBT SETTLEMENT- DEBT FREE? OR NOT?
When people come to see me with debt problems, they are under enormous stress. You’ve already tried everything. Very few people are anxious to “throw in the towel” and just file for Bankruptcy. I talk with people who have tried for years, decades sometimes, to
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Equifax Credit Breach– How to Protect Yourself
This is huge news! Why? Because Equifax stores data on all Americans: your Social Security Number, address, date of birth, and more. Equifax is one of 3 major credit bureaus that stores this data. You may not have dealt with them, or heard of this
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New Credit Rules—Judgments and Tax Liens Gone– But Not to be Forgotten!
In July of 2017, the credit agencies announced a huge new change. From now on, most new judgments from court proceedings will NOT appear on credit reports. There are new requirements for more personally-identifying information to ensure that they are correct. Also, tax liens may
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When do Debts Fall Off My Credit Report?
This is a common question. Many people who fall behind in paying their bills end up having a long credit history full of unpaid debts that just won’t “go away”. Or, a business owner may have a lingering debt from the past, and hopes it
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Hello Old Debt– Why does it Stay, Just a Little Bit Longer?
How long does bad credit history stay on your credit report? There’s a short answer and a long answer. The short answer is most negative information, such as Judgments, collection accounts, paid tax liens, and late payments, can stay on your credit report for 7
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Spot the Credit Repair Scams! Don’t Fall for them!
Your credit score is very important. A credit score helps banks and other lenders determine whether you can borrow money to buy a house or a car, and, what interest rate you get when you borrow money. One percentage point difference on a mortgage for
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Can I Buy Another House after Bankruptcy and Foreclosure? Yes You Can!
Back in 2008-9, when the foreclosure crisis started, foreclosures soared. People lost their houses after losing jobs and not being able to afford their mortgage payments. People then, forced to file for bankruptcy protection, asked me: will I be able to buy a house again?
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What to do to help Your Credit Score After Bankruptcy- Send Your Discharge Order to the 3 Major Credit Bureaus.
For so many years, you’ve been working to keep your credit score high. If you end up having to file for bankruptcy protection, there are ways to help increase your score, and to have the credit report accurately reflect the bankruptcy. Why would you want
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