Collections

Understanding Student Loan Default

October 29, 2009

As unemployment rises, more and more people are having trouble making ends meet. The government has many programs to help you prevent student loan default. If you are going through a difficult time, one of the best things you can do is communicated with your lender and try to create a solution before your loan [...]

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Can Credit Counseling Help You with Credit Report Repair?

October 29, 2009

If you are overwhelmed with bills you may be wondering where to turn to for credit report repair. Basically, you have three options. You can choose to education yourself about credit report repair, you can work with a credit report repair company or you can enter credit counseling. Depending on your situation, all three options [...]

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Settle Credit Card Debt

October 28, 2009

If you have unpaid bills you may believe that your only option is bankruptcy. Bankruptcy is a painful experience that you want to avoid. Fortunately there are many things to do to avoid it. One way is to settle credit card debt for less than the amount owed. Before we get into how to settle [...]

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Credit Card Debt Settlement – What You Need to Know

October 21, 2009

Credit Card Debt Settlement, sometimes called a debt workout plan, can be a great solution if you are overwhelmed by credit card debt. Many people think they need to hire one of the many credit card debt settlement companies out there. These companies advertise credit card debt settlement services heavily and sometimes call themselves debt [...]

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Credit Score Repair – Will Zombie Debt Threaten Yours?

October 15, 2009

With the rapid increase of companies selling off old debts, millions of consumers are now being hounded by collection agencies for accounts that they thought they had heard the last of. These old accounts, or “zombie debts”, are sold off in the junk debt market for pennies on the dollar. Junk debt companies use sophisticated [...]

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Erase Bad Credit

October 8, 2009

If you are serious about credit restoration, you need to develop a comprehensive plan of attack. Your plan should include a strategy to develop new credit as well as one for erasing bad credit. One of the best methods to erase bad credit is by disputing derogatory accounts in your credit file. Under the Fair [...]

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How to Fix Bad Credit with Debt Validation

September 30, 2009

Fixing bad credit is not easy. It takes time, patience and persistence. Just because you aren’t able to get something removed from your credit report the first time you dispute it, does not mean all is lost. One of the best strategies to fix bad credit is debt validation. In fact, I would have to [...]

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Fast Credit Repair – 10 Things to Fix Credit Fast!

September 28, 2009

While I will be the first to say that there is no quick fix for bad credit, there are strategies you can use to help repair credit fast. Here are 10 steps for fast credit repair! 1. Pay your credit cards before the statement cut date rather than on or before your due date. This [...]

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Debt Collections – Understand Your Rights!

September 25, 2009

No one ever plans on getting into debt. And certainly, no one ever plans to have to deal with debt collections. Being hounded by debt collectors night and day is enough to get anyone down! The good news is that there are laws in place that will help you save your sanity! The Fair Debt [...]

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Bad Credit Repair –7 Easy Strategies to Improve Credit Fast!

September 15, 2009

1. Pay Down Your Credit Cards! Ideally, you want to owe less than 25% of the available credit for each account. (No, it won’t help you AS MUCH to pay down your highest interest cards first or your lowest balances. You need to have EACH card paid down below 25% for the best possible score) [...]

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