Credit Tips

It really doesn’t matter if an account remains open or closed.  A late/missed payment will impact your credit score regardless of the status of the account. Many consumers contact our office under the false impression that their late payments on closed accounts do not have as big of an effect on their credit scores.   That…

When couples file for divorce, one of the things they often fail to consider is the effect it could have on their credit.  It all depends on how their credit accounts are set up. For instance, if a couple has “joint” credit cards and the courts determine that one ex-spouse is responsible to pay a…

Thieves are constantly at work trying to steal your personal data.  Even if you aren’t directly hacked, your information could be compromised if a company you do business with (such as a bank, credit card company, insurance company, doctor’s office, or even a mobile app) gets breached by a hacker. Identity theft protection is critical…

As the end of the year approaches, you will be seeing more and more car advertisements as the manufacturers want to sell as much inventory as possible before the New Year.  If you are contemplating a car purchase and you’ll be trading in your old car with an outstanding loan balance, here is something to…

When it comes to disputing derogatory items on your credit report, you might find it pleasantly surprising to know that time is truly on your side! The reason why we are typically able to get great results for our clients is because when we challenge a negative credit item on behalf of one of our…

Free credit monitoring websites are infamous for sending email alerts warning that your credit scores have changed, or even worse – “dropped”. When you click on the email to find out why your scores have fallen, there is often no reason given.Why? Because EVERY free credit monitoring website will use varying attempts to market to you so…