Category Archives: Credit
How to Dispute an Error on Your Credit Report
Errors in your credit report can lower your credit score and affect your ability to secure loans, rent an apartment, or even get a job. Fortunately, you have the right to dispute inaccurate information on your credit report and have it corrected. A Los Angeles credit rebuilding lawyer can help walk you through the… Read More »
How Much Does Your Post-Holiday Debt Really Cost?
The holidays are over, but many Americans will continue to be reminded of them when their credit card bills come in the mail. In fact, holiday spending is responsible for a more than 25 percent spike in calls to consumer credit agencies seeking help for debt during the first few months of the year…. Read More »
Avoid Debt this Holiday Season with These Budgeting Tips
It is already mid-November, and the holidays are nearly here! With Black Friday coming up in just a couple of weeks, many people are getting ready to take advantage of some amazing deals to kick off their holiday shopping. Between buying gifts, decorating your home for the December holidays, and other expenses, all of… Read More »
4 Things You Should Know About Credit Card Debt
For many people, the word “credit card” is often synonymous with “debt.” Contrary to what most people believe about credit, however, credit cards and debt do not have to go hand in hand. In fact, millions of credit customers use their cards regularly and never pay a penny in interest or other fees. You, too,… Read More »
How Is My Credit Score Calculated?
Most people have heard of credit scores and realize how they can effect a person’s life. But, many people do not understand how a credit score is actually calculated. To help, we have broken down what makes up a person’s credit score. 1. 30% of Your Score= Amounts Owed This takes into account how… Read More »
How Important is Your Credit Score?
Have you ever considered how important your credit score can be? Oftentimes, individuals do not consider the impact of a negative or positive credit score. However, it can be the deciding factor in many cases. To help you understand, we have listed three points regarding how your credit score can affect your life. 1…. Read More »
5 Credit Card Debt Settlement Myths
If you’re considering credit card debt settlement, you’ve probably heard competing opinions about it: whether it’s effective, how much of our debt you can avoid paying, if you need a lawyer, etc. These are legitimate concerns, and it’s important to stay informed before pursuing negotiations with creditors. Myth #1 – It’s easy to get… Read More »
3 Ways to Rebuild Your Credit after Bankruptcy
Many people assume bankruptcy will ruin their credit. In reality, you can rebuild your credit score after bankruptcy through prudent financial planning. The first step is opening a checking account and savings account at a credit union or bank near you. Talking to your family and friends is a good way to learn about… Read More »
Signs of Creditor Harassment
What is Considered Harassment By a Creditor? Creditor harassment is more than an inconvenience; it’s illegal. According to the Fair Debt Collection Practices Act (FDCPA), debt collectors must adhere to strict guidelines regarding their communication with debtors. If you feel threatened or harassed by a creditor, you can seek legal help. Should you file… Read More »