Filing bankruptcy can be a scary thought. But, if you are in need of a fresh financial start, you want to be sure you go about it the right way. That is because a mistake in bankruptcy can make it difficult to achieve your fresh start. We have previously discussed common mistakes and things that [...]
Are you expecting a tax refund this year? Don’t waste it on debt payments! Take control by eliminating your debt and increasing your credit score. So, How Do You Get Started? Instead of paying down a few thousand dollars of debt with your refund, you could use it to file for bankruptcy. This could wipe […]
If you are wondering about your credit score, you may want to know if you have a good one. So, how can you tell if you have good credit? We have discussed many ways to improve your credit score, but how do you know when you have achieved a good credit score?
As 2018 ends, we are taking time to reflect on the year’s successes and setbacks. Do you feel that your credit score has been holding you back? Don’t worry. The good news is that you can take some active steps towards making positive changes to your financial situation. Starting now, take some time to look […]
If you have recently filed for bankruptcy, you may think that you cannot get a new car for 7 to 10 years. This is not the case! You should know that you do not have to wait until the bankruptcy is cleared from your credit report to purchase a car. However, you will not want […]
How do credit scores work? Currently, your credit score is primarily based on your payment history. However, in 2019, a new scoring system will begin to take new information into account. This will potentially mean big increases to your credit score. What new information will be considered? The new scoring system is called UltraFICO. UltraFICO will […]
Do you feel like your credit score is holding you back? Bad credit can make it difficult to get approved for a loan. It can also be the reason why your loan’s terms are less than desirable. Your financial difficulties should not hold you back from taking steps to improve your credit. Here are some […]
Coming to the decision to speak with an attorney is not easy. It can be intimidating to know which attorney to hire. We recommend that you do your research. Speak with different qualified bankruptcy attorneys before making any final decisions. However, we are confident that our office will provide you with the dedicated service that […]
Here are 4 ways you can keep your utilization rate at a maximum of 30% of your credit card limit: Transfer Debt Pay Down Existing Balances Increase Your Limits Open Another Card Transferring Debt You can distribute your debt among all your credit cards, so that the balance on all of them is below 30% […]
The Fair Credit Reporting Act (FCRA) is is a law that helps consumers. The FCRA ensures that credit bureaus provide correct and complete information to businesses when evaluating your application. Your Rights under the Fair Credit Reporting Act are: The right to receive a copy of your credit report. Your report must contain all information […]
