Do you have to stop paying your bills on time in order to negotiate a settlement?
Many creditors will take a lump sum settlement for less if a consumer can show financial hardship.
Credit Repair »
Credit Repair
You have the right to dispute any information in your credit files that you believe is inaccurate. Anything a credit repair company can do legally to fix your credit – you can do yourself. Get started.
An Adverse Action Notice should be sent when a denial of credit occurs
Consumers should receive an adverse action notice when a denial of credit occurs giving you the opportunity to get a free credit report within 60 days.
3 Scams to guard your personal finances against
How to protect your personal finances from 3 current fraudulent schemes designed to rid you of your money.
Will good credit customers get penalized under the Card Act of 2009?
Good credit customers may be penalized as credit card companies look for ways to recoup the billion dollar losses under the Card Act of 2009.
How to Dispute Judgments
Judgments on a credit report are very negative but not many consumers know they can be disputed and deleted from a credit report for factual errors or inaccuracies.
How to Dispute a Tax Lien
Both federal and tax liens are extremely negative on credit reports, learn how you can dispute a tax lien.