February 5th 2023

Does a Pre–Approval Affect Your Credit Score?

Your credit score plays a massive role in your mortgage pre-approval and home-buying journey. Because it can affect the type of mortgage you apply for and limit the extent of loans you can receive, it’s vital to understand how getting a mortgage pre-approval can affect your credit score.

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February 3rd 2023

Can Disputed Collections Come Back on Your Credit Report?

If you recently had an item deleted from your credit report as a result of a dispute, it can be surprising if the collection suddenly reappears. Although this doesn’t happen often, it is possible for disputed collections to reappear on your credit report.

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February 1st 2023

How Long Do Payday Loans Stay On Your Credit File?

The Phenix Group often works with clients dealing with low credit scores or an adverse credit report due to payday loans, which can remain on their record for seven years.

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January 28th 2023

Illinois Employee Credit Privacy Act: Know Your Rights

The Illinois credit repair laws and legislation around accessing credit information extend beyond the federal laws and those applied in many other states.

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January 26th 2023

Can Collection Agencies Sue You in Illinois?

Collection agencies act as debt collectors on behalf of clients.

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January 25th 2023

New Debt Collection Laws of 2022

Debt collectors can be ruthless; but rest assured they are held to certain collection practices. If you are getting calls after 9p.m. or they are using threatening verbiage, what can you do? Keep reading as we touch base on these items and so much more.

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January 25th 2023

What Is Credit Restoration?

What is ‘Credit restoration’? In a nutshell it consists of reviewing your credit report, pinpointing errors and unverifiable or outdated negative items, then sending audit and dispute letters to remove or rectify those items from your credit history and in turn help fix your overall credit score. 

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January 25th 2023

How to Fix Credit Scores

Improving your credit score can have an impact on your rates on auto loans, car and home insurance, promotions, and so much more. Keep reading to help understand how to fix your credit scores.

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January 24th 2023

How Long Before Debt Becomes Uncollectible in Illinois?

Loans and other borrowing products are subject to statutes of limitations.

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January 24th 2023

What Is Credit Restoration?

Credit repair or credit restoration is a process you can use to improve your credit rating.

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January 24th 2023

How to Fix Credit Scores

Credit scores are measured by the Fair Isaac Corporation (FICO) scoring model.

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January 24th 2023

New Debt Collection Laws of 2022

The new debt collection laws of 2022 are an essential development in the world of debt collection. These new rules are designed to protect consumers from unfair practices, and they have already significantly impacted how businesses collect debts.

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January 17th 2023

How Long Does a Credit Dispute Take?

Understanding your credit can be complicated. As you start to establish your life, you will find that good credit is incredibly important when it comes to getting loans, purchasing a house, and many other financial situations.

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January 15th 2023

How Do I Stop an Account from Going to Collections?

There are many reasons why you may have unpaid bills, and you do not need to feel ashamed

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January 13th 2023

How Do I Ask for Information to Be Removed from Credit Bureau?

When we have issues that negatively affect our credit scores, it can be debilitating.

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January 11th 2023

Do Payday Loans Go to Collections?

A payday loan is a tool that can help you when you find yourself in a financial pinch.

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January 9th 2023

Can You Get Negative Credit Information Removed?

Whether it is an item incorrectly labeled as a missed payment or a one-time late payment, it is possible to get a negative credit mark deleted from your credit history.

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January 7th 2023

Does Tax Debt Affect Your Credit Score?

Although the internal revenue service (IRS) doesn’t directly report your debt to credit bureaus, it works with private debt collectors who may add your delinquent account to their collection accounts.

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January 5th 2023

How Do I Get a Creditor to Remove a Collection?

Getting collection stains out of your credit score isn’t easy, especially if you have defaulted on your debts for a long time.

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January 3rd 2023

Can You Be Denied a Loan After Pre-Approval?

Your loan can be denied even after you’ve been pre-approved. While this may seem unfair, it’s understandable, because the loan must undergo the underwriting process before it’s fully approved and confirmed.

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January 1st 2023

Who Does Dynamic Recovery Solutions Collect For?

Dynamic Recovery Solutions is a debt collection agency that buys debts from creditors who have given up on pursuing their payments and debts from their borrowers or customers.

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December 30th 2022

What Are Speedy Cash Collections?

Speedy cash collections are the techniques used by businesses to collect payments from their customers for the goods supplied or services rendered.

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December 28th 2022

Fair Debt Collection Practices Act Statute of Limitations

In 1978, in response to what many people saw as unfair debt collection practices, Congress passed the Fair Debt Collection Practices Act (FDCPA).

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December 26th 2022

How Do I Get a Credit Report in Florida?

Before applying for a loan of any kind, whether it's an auto loan, a mortgage, or a credit card, it’s always a good idea to obtain a copy of your credit report.

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December 24th 2022

How Long Before a Debt Is Uncollectible in Florida?

Anyone who has ever forgotten to pay a bill or dealt with an error in the accounting department of a company has probably, at one time or another, gotten a call from a debt collector.

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December 22nd 2022

What Is a Good Credit Score in Florida?

Your credit report contains a record of all open credit accounts you may have, including car loans, mortgages, and credit cards.

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December 20th 2022

What Is the Fair Debt Collection Practices Act of Florida?

The world of debt collection in Florida, and the United States in general, is somewhat opaque. In the U.S., thousands of companies label themselves as debt collectors

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December 19th 2022

Illinois Debt Collection Laws: Simplified

It's 9:00 pm and you just got home from work, your phone starts ringing with a number from your area code, you answer it and it is a Debt Collector. Is that even legal? Keep reading to help simplify some of the legal jargon assoicated with federal and state debt collection laws in Illinois.

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December 19th 2022

What Is the Most Common Violation of the FDCPA

FDCPA, have you heard of it? The Fair Debt Collection Practices Act was created to make the process of dealing with debt collectors a little less of a nightmare. What all can they do and what can't they do? Did you know you can even get paid restitution if they break this federal law? Keep reading to shed some light on navigating through right and wrong of the FDCPA.

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December 19th 2022

Credit Dispute Letters That Work

There is so much mixed information on the internet today regarding disputing items on your credit. What really works and what doesn't? Let us help help make the subject a little less confusing.

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December 15th 2022

ERC Debt Collections: What You Should Know

Who is Enhanced Recovery Comapny (ERC), why are they on your credit report, and how do you deal with that moving forward? Collection accounts like ERC can be a nightmare when it comes to your credit and knowing where to being can be tasking. Let us answer your questions and give you some guidance.

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December 15th 2022

What Should You Not Say to Debt Collectors?

Calls from a debt collector can be intimidating, but as long as you keep calm, remember your rights, and know what to say (and what not to say!),you can navigate through your hardship like a pro.

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December 15th 2022

Florida Debt Collection Laws: Simplified

No one ever wants to be in debt. Even more so, nobody hopes to be chased down by debt collectors employing tactics that are unfair, abusive, or fraudulent. To ensure you’re always protected, you must be aware of your rights under Florida’s debt collection laws. 

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December 7th 2022

When Is The Best Time to Apply For a Mortgage?

In today’s real estate market, it is easier than ever for people to get preapproved mortgage financing.

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December 5th 2022

Do You Need a Credit Card to Build Credit?

Almost everyone needs a good credit history. It is especially important when you finally decide to purchase a vehicle or acquire a home.

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December 3rd 2022

What Happens When You Max Out Your Credit Card?

Credit cards can give people access to money they can spend, but don’t really have. They provide an available balance (the credit) that has to be paid back to the lending agency at a certain point in time and usually at a considerable interest rate.

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December 1st 2022

What Is a Tier 1 Credit Score?

A poor credit score is one of the primary reasons why people can’t secure financing or get a conventional loan.

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November 29th 2022

When Does Navy Federal Report to Credit Bureau?

Credit unions provide information about their customers to credit bureaus every month. Navy Federal Credit Union is a lender that follows this practice and generally sends information every four to six weeks.

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November 27th 2022

Does Closing a Checking Account Affect Your Credit Score?

Checking accounts are handy and a very common type of account for most people. If you need or want to close a checking account for any reason, you may be concerned that this will impact your credit score.

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November 25th 2022

Which Credit Card Bureau Is Most Used For Auto Loans?

When getting a car loan, many people want to know which credit bureau is most used by lenders for this type of purchase. To start, the three main credit bureaus are Equifax, Experian, and TransUnion–each of these agencies keeps track of your credit history and score.

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November 23rd 2022

Does a Debit Card Build Credit?

There are a lot of myths about credit, including the one that you can only build your credit history by using a credit card–this simply is not true. Using a debit card can also help you build your credit history.

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November 21st 2022

How to Find Out Which Collection Agency You Owe

If you've ever been delinquent on a debt, there's a good chance it will eventually end up with a collection agency, and if it does, you'll want to know which one is after you.

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November 19th 2022

How Does Your Credit Score Go Down?

Your credit score is one of the most important numbers in your life. It can affect your ability to get a loan, rent an apartment, and even get a job.

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November 17th 2022

Which Credit Bureau Is Most Important?

Understanding how credit reports work isn’t easy. In fact, you’d be surprised to learn that even the person filing your loan paperwork at the bank probably has little idea how your score is tabulated.

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November 15th 2022

How Often Does Capital One Report to the Credit Bureau?

If you’ve ever applied for a credit card or bank account, a financial institution has almost certainly asked for your social security number.

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November 13th 2022

How Do I Know When My Chapter 13 Is Over?

Going through a bankruptcy is an extremely difficult process. Maybe it starts with losing a job or having your wages reduced; next comes the realization that you have to choose

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November 11th 2022

Which Credit Card to Pay Off First

The world of credit card debt is a tricky thing that’s difficult to fully understand. The fine print on most accounts is long enough to wrap yourself up like a Christmas present. By choosing which cards you pay off first, you could potentially save yourself thousands of dollars and positively affect your credit score.

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November 9th 2022

Does Paying Off Collections Improve Credit Score?

Everyone has forgotten to pay a bill at least once in their life. Typically, you’re sent a letter telling you that you now owe the original amount plus interest and late charges, but what if the letter never arrived because you moved to a new city or forgot to change your address?

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November 7th 2022

How to Remove Foreclosures From a Credit Report

Being foreclosed on is one of the most terrible things that can happen to a person–losing one's home is a devastating loss.

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November 5th 2022

How Do Credit Card Cash Advances Work?

Sadly, American schools have traditionally placed very little focus on financial literacy.

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November 3rd 2022

How To Remove Student Loans From a Credit Report

Many people often wonder how taking out a student loan will influence their credit standing.

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November 1st 2022

How to Delete Late Payments From a Credit Report

Unless you’re independently wealthy, you’ll have to use credit now and again to make purchases

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October 30th 2022

Does Divorce Affect Credit Score?

Whether it’s on friendly terms or not, divorce is stressful and can take a considerable toll on your finances.

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October 28th 2022

How Can You Reduce Total Loan Cost?

Many people may not realize that when you take out a loan, it's very important to pay attention not only to the interest rate, but also to how fast the loan will be repaid.

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October 26th 2022

What Credit Score Do You Need For an Apartment in Austin?

Moving to Austin and need a place to live?

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October 24th 2022

FICO Versus Vantage

When comparing the major credit scoring models against each other, it may seem to be a case of “out with the old, in with the new.”

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October 24th 2022

How Do You Freeze Your Credit?

Accounts you don't recognize on your credit report? You may be a victim of Identity Theft. Will a Security Freeze help? Keep reading to find out more.

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October 24th 2022

What Is a Collections Agency?

Midland, AdAstra, NCO, LVNV...what do all of these have in common? They are all collection agencies. What constitutes as a collection agency? Keep reading to help navigate through the ins and outs of what makes a collection company a collection company.

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October 24th 2022

Difference Between Equifax and TransUnion

Did you know that the credit repositories are private entities? What does that mean? Think of them like Nike and Under Armour; while there are definite similarities they are profound difference as well. Keep reading to get the deets on how TransUnion and Equifax are similar and differ.

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October 22nd 2022

Best Credit Score To Buy a Car

Almost everyone needs a car in their daily lives, whether to take them to work or to drive their kids to school.

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October 20th 2022

How To Build Your Credit Faster

A good credit score shows a person’s creditworthiness, which offers scope for lower interest rates while applying for a loan

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October 18th 2022

Difference Between Pre-Qualified and Pre-Approved

If you are familiar with the real estate market, you most likely know that as a home buyer, you need to pre-qualify or be pre-approved for a mortgage before purchasing a property

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October 16th 2022

What Is Transworld Systems?

If you happen to receive a call from Transworld Systems or find it in your voicemail or credit report, it should cause a bit of concern.

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October 14th 2022

How to Negotiate Pay for Delete

In most cases, anyone with credit report delinquencies will, in one way or another, look for a way to improve their credit scores quickly.

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October 12th 2022

What Is Midland Funding?

Midland Funding is one of the biggest buyers of unpaid debt in the United States.

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October 10th 2022

How Often Do Debt Collectors Take You to Court?

The fact is that no one likes getting a call from someone that says you failed to make payment and are now in debt collection. 

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October 10th 2022

What Happens If You Go Over Your Credit Limit?

Knowing this bit of information will also help you when you are trying to understandwhat hard inquiries are.

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October 10th 2022

What Are Hard Inquiries?

A hard inquiry, sometimes referred to as a hard pull, is done when you apply for a new line of credit, such as a loan or credit.

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October 10th 2022

Ad Astra Recovery Services?

Ad Astra is a certified debt collection agency that has been in operation since 2007, with headquarters in Wichita, Kansas.

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September 30th 2022

What States Is Credit Repair Illegal?

Unfortunately, many people associate credit repair as a desperate and unethical financial maneuver.

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September 28th 2022

What Is a Credit Repair Agreement?

Even though you wouldn’t expect errors on your credit reports, they happen.

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September 26th 2022

What Is a 609 Credit Repair?

If you want to repair your credit score, you'll probably hire a credit repair company to communicate with credit bureaus on your behalf.

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September 24th 2022

What Does Credit Repair Software Do?

Credit repair software is one of the ways to rectify errors in your credit reports.

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September 22nd 2022

Is It Bad To Pay Credit Cards Early?

Most people believe that the earlier you can pay off a debt, the better it will be for you in the future.

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September 20th 2022

Is It Bad to Have a Lot of Credit Cards?

If you have a lot of credit cards, it can have a negative impact on your personal credit rating.

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September 18th 2022

How to Get Help With Credit Repair

Having a good credit score gives you access to many things–you can get a new car, buy your dream home, get a great loan to start a business, or get a competitive insurance premium

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September 16th 2022

How Much Is Credit Repair a Month in Dallas?

Credit repair, when done by a reputable, legitimate credit repair company, is well worth the investment, especially when considering how much money you’ll save on loan and credit card interest once your credit score rises.

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September 14th 2022

How Much Does a Credit Repair Lawyer Cost?

There are many factors that can play a role in legal costs when a lawyer negotiates with creditors on your behalf.

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September 12th 2022

How Fast Does Credit Repair Work in Dallas?

Knowing how long it may take to repair your credit is crucial.

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September 10th 2022

How Bad Does Voluntary Repo Hurt Credit?

If you’ve leased a car and are no longer able to afford your vehicle, your car will be declared as default and the lender will seize the property.

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September 8th 2022

Does Paying Off Student Loans Help Credit Scores?

For most young people, student loans are simply unavoidable. Currently, there is over $1.5 trillion in outstanding student loan debt in the U.S.

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September 6th 2022

Does Paying Collections Help Credit Score?

When you are behind on your bills, one of the biggest decisions you have to make is whether or not to pay collections.

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September 4th 2022

Does Locking Your Credit Report Help?

Locking your credit report is one way to help protect your identity and keep your personal information safe, but is it the best way, and does it really work?

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September 2nd 2022

Can Credit Repair Remove Bankruptcies?

Declaring bankruptcy is one of the toughest things a person can go through, and can affect and remain on a person's credit report for years. 

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September 2nd 2022

Do Banks Help With Credit Repair?

Getting your credit repaired is a complex process that requires several strategies working together to raise your overall credit worthiness.

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September 2nd 2022

Are Balance Transfers Good for Your Credit?

Balance transfers are consolidation strategies that can be helpful when you want to pay off high-interest debts, such as credit card balances.

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September 2nd 2022

Can Someone With Good Credit Help Someone With Bad Credit?

Having a bad credit score can impact many important financial decisions in your life

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September 2nd 2022

How to Fix Late Payments on a Credit Report?

Everyone has, at some point in their lives, completely forgotten that a bill was due and missed a payment.

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August 30th 2022

Are Credit Card Companies Willing to Negotiate?

Credit card consumers can negotiate credit card debt if their credit card companies are willing to work with them.

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August 28th 2022

Are Credit Repair Companies Legal?

Having a good credit score is a goal for many of us, often because of how much it can influence financial decisions that impact our lives.

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August 26th 2022

Can a Credit Repair Company Raise Your Credit Score?

Having a good credit score is more important than most people think, because of the impact it has on our lives.

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August 24th 2022

Can You Clear Bad Credit History?

While Doc Brown and Marty McFly may have had a time machine to go back and fix mistakes in the past, you and I don’t have that luxury.

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August 22nd 2022

Does Credit Repair Show Up on a Credit Report?

Good credit is a goal for most people, often because your credit scores and reports significantly influence your financial d

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August 20th 2022

Does Switching Banks Hurt Your Credit?

Often, switching banks won’t hurt your credit score, which is fantastic. If you want to pay fewer fees or better rates on savings, you may consider switching banks.

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August 18th 2022

How Does a Credit Card Improve Your Credit Score?

When someone approaches a bank asking for a loan, the first thing that will happen is the bank will examine the applicant's credit report and score.

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August 16th 2022

How Long Does Credit Repair Last?

First, it’s important to understand what credit repair really is and how long it will last.

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August 12th 2022

Is Credit Sweep Legal?

When anyone is seeking a loan, the first step in the process is getting their credit report. This can be a stressful process even for people who have excellent credit, so what happens if the credit report comes back with a poor credit score?

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August 12th 2022

How Much Does Credit Cleaning Cost?

A credit score is a number that serves as an estimate of an individual’s credit worthiness based on an analysis of a credit report.

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August 10th 2022

What Can Credit Repair Remove?

A credit report should be an accurate summary of your financial history. However, errors happen more frequently than you think–whether it’s credit accounts that don’t belong to you or outdated negative information still being reported, incorrect items can lower your credit score.

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August 8th 2022

What Can You Dispute on Your Credit Card?

Whether you were billed the wrong amount for something you bought or charged for a product you didn’t purchase, credit card disputes arise when a cardholder disagrees with a charge on their credit card bill.

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August 6th 2022

What Does Restoring Credit Mean?

Below are details and explanations about some of the common terms you need to understand in order to make informed decisions–we’ll also determine if there is a difference between credit repair and credit restoration. 

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August 5th 2022

Credit Sweep Services

If you’re seeking credit repair services and you find a company or individual that offers to sweep your credit of all negative items, you should run the other direction.

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August 4th 2022

What Is the Difference Between Credit Repair and Credit Restoration?

When you search for credit repair companies in Houston, Texas, a lot of options will appear on your screen, including companies offering services from credit repair, credit restoration, and credit building to credit counseling services.

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August 3rd 2022

Facts About Credit Repair

Having your credit report examined is about as much fun as having a root canal—every single detail of every financial account you’ve had in the last ten or fifteen years is likely to be there. Many people who apply for loans are turned down due to a poor credit history, which includes things like missed payments or accounts in collections. Some may not be aware that the reason they have a low credit score is that there are inaccuracies on their report.

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August 3rd 2022

Texas Credit Repair Laws

With many people rushing to make large purchases on homes and autos before interest rates rise any further, credit repair requests are rising, as well.

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August 1st 2022

How to Find a Good Credit Counselor

There's an age-old adage that goes something like this: “If it sounds too good to be true, it probably is.” This is a great motto to follow when looking for a quality credit counselor.

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July 30th 2022

Can a Credit Repair Company Hurt Your Credit?

No, a credit repair company cannot hurt your credit. A credit repair company's job is to assist you in navigating the bureaucracy that operates behind the scenes of the financial and credit reporting industry.

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July 28th 2022

Are Credit Repair Specialists Legit?

Let’s calm your fears right away–yes, real credit repair specialists are legit! However, when shopping for someone to help guide you through the process, it is definitely important to select the right company, as fraudulent companies do exist, just as with any profession.

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July 26th 2022

Cost for Credit Repair

When talking about the savings on a thirty-year mortgage at $200,000, getting your credit repaired can save you more than $43,000 over the life of the loan, just by lowering your interest rate by 1%.

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July 24th 2022

How Long Does Credit Repair Take?

Your credit score greatly affects how much you can borrow and the interest rate a lender charges you.

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July 22nd 2022

How to Check Your Credit Score Without Hurting It

Lenders refer to your credit score to determine your creditworthiness–how banks determine your credit score is by receiving information from credit reporting bureaus.

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July 20th 2022

How Do Banks Determine Your Credit Score?

A credit score ranges from 300 to 850 and is used by lenders to identify the likelihood of a borrower paying their debt obligations. Scores closer to 850 mean that the borrower has a history of settling their debts on time.

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July 18th 2022

How to Clean Up a Credit Report

The information on a credit report can significantly impact your next credit card or loan application.

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July 16th 2022

How to Clear a Repossession from Your Credit

A repossession is a negative mark on your credit report that shows that a debt or creditor collector seized your asset. If you miss several payments on a loan, your lender will sell the asset to pay for your overdue payments.

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July 14th 2022

How Long Does a Credit Dispute Take?

According to the U.S. Fair Credit Reporting Act (FCRA), if you file a credit dispute to rectify what you feel is an inaccuracy in your credit report, the investigation process should take thirty to forty-five days.

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July 10th 2022

Can Credit Scores Be Manipulated?

Today’s economy runs on credit. Your credit score carries a lot of weight and impacts your ability to get a credit card or loan.

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July 8th 2022

Does Closing a Credit Card Account Hurt Your Credit Score?

You may want to close your credit card for any number of reasons, such as wanting to upgrade to a better card, being tired of paying an annual fee, or no longer needing the account.

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July 6th 2022

What Can a Credit Repair Company Do That I Can't?

Credit repair is vital in certain circumstances. Your three-digit credit scores are used by mortgage, auto, and personal lenders to decide if you’re financially stable enough to qualify for a loan or not.

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July 4th 2022

How Does a Credit Repair Company Work?

Credit scores are highly influential in the financial decisions we make in our lives–a bad credit score makes it difficult to get a loan, a credit card, insurance, or property.

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July 4th 2022

Does Settling a Debt Hurt Credit?

Although settling a debt clears away the burden of overdue unpaid bills, it can be bad for your credit score. While it brings your account’s balance back to zero, your credit report will show it was settled for less than the total amount owed or agreed upon, which would prompt a negative mark.

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July 4th 2022

How Do Credit Repairs Work?

Most of us want a good credit score, and information on credit reports and credit scores have a significant impact on our financial health and prospects that influence our daily lives.

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July 4th 2022

Best Way to Rebuild Credit

A person’s credit can significantly affect his or her major financial decisions–having good credit makes it easier to get loans, enjoy lower interests, and work on better terms. But financial challenges can take a toll on one’s credit score. If you are wondering how to rebuild credit and how to improve your score, you are in the right place.

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March 16th 2022

What is PayPal Credit?

One of the essential things you learn quickly over time is that your credit score plays a vital role in your creditworthiness. Your chances of applying for a loan, getting a new apartment, car, and even working for some

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March 9th 2022

HOW COSIGNING AFFECTS CREDIT SCORE

Typical scenario if a family/friend asks you for a loan; however, have you ever been asked to co-sign for a loan? It raises many questions that need to be resolved if you intend to follow through with it, or not.

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March 3rd 2022

DOES CREDIT OR INCOME MATTER MORE WHEN OBTAINING A MORTGAGE?

Your credit information and income play a huge role in being creditworthy and getting what you want. With an impressive credit score and an excellent income to boot, you can apply for a mortgage, get a car, open new credit card

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February 21st 2022

HOW TO SAVE UP FOR YOUR FIRST CAR

Your driver’s license gives you the privilege of driving out on the road. Whether that’s going to and from school or work or over to your friends for a movie night, a license gets you halfway there. You’ll need a car to literally take

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February 7th 2022

How Does LexisNexis Tie Into the Credit Repair Process

There are many things that credit repair companies claim to be able to help you with. How many  times have you come across an ad or website claiming that a company can help you with a million different things like collections, charge-offs, late-pays, judgments, tax liens, bankruptcy, foreclosures, student loans, and more?   

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January 11th 2022

Credit Limits Can Yours Be Reduced

Having your credit limit reduced is common and can even happen if you’ve been good with credit and made all your payments on time. When a creditor lowers your credit limit, it can negatively impact your credit score. However, you need to know that there are things you can do when this happens to minimize the damage to your credit and to fix the problem.

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December 28th 2021

HOW EVICTIONS AFFECT YOUR CREDIT

Establishing an excellent credit score seems to be a challenge these days. Maintaining a good credit score seems like an achievement with several economic changes coupled with governmental policies. If you're facing

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December 13th 2021

10 Life Hacks That Will Help You Save Money

Saving money isn’t as hard as you might think. These ten life hacks will make saving money just as easy as tying your shoes. Just making small lifestyle changes can snowball into saving hundreds, or even thousands of dollars each year. Wouldn’t you want that extra money in your bank account? Read on to learn about ten life hacks that’ll save some extra dough.

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December 13th 2021

Can You Get a Judgment Removed from Your Credit Report?

Yes, getting a judgment removed from your credit report is possible if you take proper measures–unfortunately, many people assume credit bureaus can’t remove civil judgments from their credit reports because they involve the legal system.

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November 19th 2021

HOW REPOSSESSIONS AFFECT YOUR CREDIT

Unlike many other forms of debt, defaulting on your auto loan often puts you at risk of repossession. When faced with repossession, many people start to panic. The idea of losing your vehicle and subsequently ruining

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November 15th 2021

What Do Landlords Look For in a Credit Score

Whether you’re applying for a loan or an apartment, at some point, the state of your credit will likely matter. Before entering into a monetary arrangement with a customer, a lot of businesses and business owners will check your credit.

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October 18th 2021

DOES DEBT CONSOLIDATION HURT YOUR CREDIT SCORE

Hard times do happen. With constant economic changes, we see people finding it difficult to pay bills, running into debts. And if you’re in debt, searching for a concrete solution to get out quicker lingers on your mind. In your search for a solution,

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October 9th 2021

WHO ARE THE THREE CREDIT BUREAUS?

Whether you're just learning the basics of cultivating your credit score or are a credit health expert, you've likely heard of the three credit bureaus: Equifax, Transunion, and Experian. If you're looking to improve your

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October 6th 2021

WHAT IS A 609 DISPUTE LETTER?

Most everyone who has ever had bad credit has sought for improvement tips to remedy their situation. Why? A poor credit report caused by erroneously input items poses a lot of damage and places you in a bad light. The current state of your credit history

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October 4th 2021

How to Raise Your Credit Score by 200 Points

Raising your credit score can sometimes be a long, slowly evolving process. But it doesn’t always have to be. With a little knowledge and focus you can pinpoint the areas of your credit that need the most work, and begin the process of boosting your credit.

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September 28th 2021

WHAT IS A HARD INQUIRY?

Most people aren’t keen on checking their credit reports. Oftentimes, the rationale behind this is somewhere between the lines of “I feel like checking it will impact my credit score.” However, when you check your credit report

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September 22nd 2021

Hard Inquiry vs Soft Inquiry What’s the Difference

There are many intricate details that make up your overall credit score. This includes the amount of new credit that you receive, the amount you currently owe, and your payment history. But, another factor that goes into your overall credit score is the number of times that it’s checked by specific institutions. Credit checks are put into two categories: hard inquiries and soft inquiries. It’s important to know how each type of inquiry affects your credit so you can have more control over your credit score as a whole.

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September 10th 2021

How Long Does It Take To Repair My Credit Score

According to Experian, it’s estimated that 30% of Americans have poor credit, bad credit, or no credit at all. When speaking of credit scores, most reporting agencies use a model that scales credit from 300 to 850, and the cutoff for what’s considered to be bad credit is anything below 499. 

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September 8th 2021

HOW MUCH DOES A CHARGE OFF AFFECT MY CREDIT SCORE?

Many people are using the recent economic events to try to get their credit score in better shape. This means pulling your credit reports, learning how to read them, then figuring out how to resolve problem accounts. But what if

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September 3rd 2021

DOES FILING BANKRUPTCY RUIN YOUR CREDIT

It is true, most of us have debt; some tend to accumulate a lot more debt than the average person. Often these same individuals may find themselves needing to file for bankruptcy to be able to get the head above water with their

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August 24th 2021

First Time Homebuyers in Dallas Average Credit Score Tips for Budgeting

Thinking about becoming a first-time homebuyer in Dallas? Congratulations! The decision to buy your first home is both exciting and overwhelming, especially when you start thinking about the financial impact it’s going to have on your life. 

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July 5th 2021

What Kind of Home Loan Can You Get With Your Credit Score

If you’re in the market for a home loan, you will want to take a look at your credit score first, before starting the homebuying process. Since the housing mortgage crisis of 2008, practices have become much stricter when determining who qualifies for a loan, the amount they are willing to loan, and at what percentage rate.

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June 24th 2021

The Future of Credit Cards Is Plastic Disappearing

Before plastic credit cards were invented, the concept of credit was around for centuries. With today’s modern society and technological advancements, credit cards have come a long way.

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May 14th 2021

What is a Good Credit Score

Knowing your credit score is a key step in determining where you sit financially when it comes time to apply for any type of credit. Having your own report on how lenders view your credit worthiness can help you take appropriate measures, if needed, to improve your credit. Improving your credit in key areas will make you the most attractive loan candidate you can possibly be.

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April 12th 2021

What is GC Services Debt Collection

GC Services is notoriously known throughout the debt-collection industry. They’re arguably one of the biggest collection agencies in the world. They’re often the mouthpiece or middleman for companies in many different industries such as retail, traffic, and automotive.

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March 15th 2021

Everything You Need to Know About National Credit Systems

Headquartered in Atlanta, Georgia, National Credit Systems is a third-party collection agency that operates independently. Initially founded in 1991, the agency specializes in recovering money for apartment owners and managers that is owed to them by consumers who have failed to fulfill their lease obligations. 

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March 8th 2021

How to Buy a House with Bad Credit is it Possible

It’s a new decade, and you have the gigantic goal to purchase your first home by the end of the year. But you worry about your credit score. What if you can’t get a reasonable interest rate for a home loan? Is it really possible to purchase a new home this year? 

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March 1st 2021

Build Your Credit Fast with These 6 Easy Steps

A good credit score depicts a person’s creditworthiness, and this will give you a chance for lower interest rates when you apply for a loan. If your credit score is not where you want it to be, there are many ways that you can do to improve your score.

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December 7th 2020

5 Ways Credit Impacts Your Wallet

It’s important to realize how important credit is before you can work on increasing your score as much as possible. To learn more about how credit impacts your wallet, read on.

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November 16th 2020

Does Unemployment Affect Your Credit Score

Losing a job is difficult in the best of times. When the economy is down, however, the impact of job loss is felt even more. When you pair this with the fact that finances will need to be adjusted and your credit score could be damaged if you can’t pay, job loss becomes downright terrifying. Let’s take a look at how unemployment can impact your credit score and what you can do about it.

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October 14th 2020

What is a Charge Off

Learning the lingo of the credit world is an important part of keeping yours intact. One of the terms that you should be aware of is “charge-off.” This may seem like a complicated term at first glance, but the true definition of it is quite simple.

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