Articles

How Do I Clean Up My Credit?

An Actual Case Study For A Real Client- Part 3

February 25, 2010

In the prior post, I began responding to the questions asked by one of our readers at FinanceTheDream.com. The questions Candace asked were: 1. What happens to the credit score when debt validation letters and the pay for delete process is used? 2. When derogatory items are removed, does your credit score go up or [...]

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How Do I Clean Up My Credit?

An Actual Case Study For A Real Client- Part 2

February 25, 2010

In the prior post, I began responding to the questions asked by one of our readers at FinanceTheDream.com. The questions Candace asked were: 1.    What happens to the credit score when debt validation letters and the pay for delete process is used? 2.    When derogatory items are removed, does your credit score go up or [...]

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Federal Credit Card Legislation Goes in Effect Next Month!

January 15, 2010

Today, I was doing research for another article I was writing about credit cards for people with bad credit I landed on the site of First Premier, which is a company that specializes in working with people with bad credit.  I was trying to find some of their qualifications for an unsecured credit card, and [...]

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Holiday Credit Card Debt

December 15, 2009

Image by Getty Images via Daylife For many, the holiday’s and credit card debt are synonymous. I know that I have a hard time not going overboard every year. (Especially when shopping for my children – who, to be honest have more toys than they know what to do with.) There is so much to [...]

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Credit Repair Scams: What to Watch Out For!

December 14, 2009

Image via CrunchBase Since the beginning of the current financial crisis and the credit crunch in 2007, many people have found themselves in need of significant credit repair. Those who were borrowing to service their debt – both companies and individuals – found their access to credit diminished, if not totally wiped removed, and consequently [...]

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Is it Possible to Fix Credit Fast?

December 14, 2009

Image by Getty Images via Daylife Whether or not is possible to fix credit fast depends in large part on what the negative entries on your credit report represent. If many of the negative items being reported are errors, debts that have been discharged through bankruptcy, or have been reported for seven years; then it [...]

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Can You Get a Bad Credit Motorcycle Loan?

December 13, 2009

Image via Wikipedia I have to be honest – motorcycles scare me to death! Recently I had a client ask me what I knew about getting motorcycle loans with bad credit. At first I was a little shocked. I mean, WHY on earth would you be looking for bad credit motorcycle loans? Never one to [...]

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How Does an Unsecured Credit Card Affect Your Credit?

December 10, 2009

An unsecured credit card is one whose available balance is not secured by actual money,  A secured credit card works largely the same way as a debit card, in that the entire balance available is backed by cash you already have, so when most people think of having a “credit card” they think of unsecured [...]

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After Bankruptcy Credit Repair – The Story of John!

November 17, 2009

Filing bankruptcy takes a toll on all areas of your life. Not only are your finances in crisis, it can be easy to get down and think that you will never get your life back. I like to share a story with you a client of mine – will call him John.  Now John was [...]

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Getting Credit Cards after Bankruptcy!

November 17, 2009

If you have filed bankruptcy, you may feel like you will never be able to get credit again. Bankruptcy is an emotionally and financially draining experience. I am sure that needing bankruptcy help is not quite how you envisioned your life!  It is easy to feel like things will never return to normal. The reality [...]

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