by CEF | Jan 5, 2017 | Credit Reports
Scam alert! Around this of year, after all the holiday spending, you will see advertisements for credit repair. But some of these so-called credit repair companies are nothing but scams and should be avoided. Here are some tips on what to look for: Do not pay...
by CEF | Jan 4, 2017 | Collection Calls, Credit Reports, General
Negotiating with people you owe money to is never easy. You feel guilty for falling behind in your payments and creditors use that guilt to extract concessions from you that sometimes you cannot make. Here are a few things you need to know when dealing with...
by CEF | Jan 4, 2017 | CFPB, Credit Reports
On January 3, 2017, the Consumer Financial Protection Bureau (“CFPB”) issued a press release stating that they had taken action against Equifax and TransUnion, two leading credit rating agencies, for deceiving consumers about the usefulness and cost of...
by CEF | Dec 28, 2016 | Credit Reports, General
Step #1 — Pay your bills on time, every time. This may mean putting them on your calendar, setting reminders or alarms in your phone, whatever you have to do, do it. Also, if you mail your bills instead of paying them online, or if you use your bank online to...
by CEF | Dec 26, 2016 | Chapter 13, Chapter 7, Credit Reports, General
Many people think that after filing Chapter 7 or Chapter 13 their credit will be forever ruined. Not true. First, bankruptcy filings will disappear from your credit report after 10 years. You say, 10 years! How can I wait that long to have another credit card!...
by CEF | Dec 25, 2016 | Credit Reports, General
Usually, for your first consultation with a bankruptcy lawyer, you will be asked to go online and get a copy of your credit report (or your attorney will arrange to get one for you). Under federal law, you are entitled to one free credit report per year. But be...
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