It's a good idea to check your credit report at least once per year. That's especially true if you've filed a bankruptcy, because creditors often drop the ball in reporting that a debt has been…
Ready to Get Back on Track? We Can Help!
We often meet with clients who have been "off the grid" for a period of time--people who have avoided credit, banking, and even filing taxes because they ended up with overwhelming debt or bad credit…
Why does my attorney need…???
We ask our clients to provide a number of documents as we prepare their cases for filing. Some of the information is for the court, and some is for our office, so we can evaluate…
Credit Report vs Credit Score
"What's the difference between a credit report and a credit score?" That's a very common question we hear from our clients, and it's easy to see why so many people confuse the two, since sometimes…
Credit Reports: Get Them, Monitor Them!
Credit reports and scores are used for the purpose of advising a lender of the risk factors in lending a person money or advancing credit. It is very important to maintain the accuracy of your…
How to Opt Out of Pre-Screened Credit Offers
Some companies use information on your credit report to generate offers of credit or insurance, sometimes called "pre-screened" or "pre-approved" offers. Companies set a minimum bar for creditworthiness, then contact the major credit reporting…
What’s the Difference Between a Credit Report and a Credit Score?
We often talk to clients who are confused about the difference between their credit reports and their credit scores. It's easy to see why a consumer might be confused about these two different information sources, since both…
What’s in Your Credit Report, Anyway?
When you have credit accounts, such as credit cards, auto loans, student loans, or mortgages, the creditor gathers identifying information about you. A creditor will likely want to know things like your social security number,…
Tips and Tricks: How to Get a Free Credit Report Every 3 Months
We talk a lot about how important it is to monitor your credit report using the free reports you can get at www.annualcreditreport.com. Here's a great way to make the most of your free reports:…
FTC Study Says 1 in 4 Consumers Have Errors in Credit Reports
In a recent study, the Federal Trade Commission discovered that as many as 1 in 4 consumers have potentially negative errors on their credit reports! That's a lot of errors that could be corrected by…