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Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collection Practices Act (FDCPA) is a federal law that was put in place to protect you against the abusive and/or unethical collection tactics sometimes employed by debt collectors. At the federal level, the FDCPA applies only to third-party collection agencies and junk debt buyers; however some states do have laws that also …

Which Credit Score Really Holds the Most Weight?

Trying to figure out how to do smart credit repair can be frustrating at first, but learning the steps yourself gives you a lot of power. For starters, you’re not going to have to try to trust a credit repair organization for all of your needs. This makes you have the skill to always be …

Using Those Rejection Letters to Your Advantage

If you’ve been trying to apply for credit or even other products that don’t really refer your credit score, you might be surprised at the amount of rejection heading your way. Some people feel that rejection is just part of life, and they will never get credit again. However, in order to figure out how …

The Universal Default Clause Is Alive and Well – Know Where You Stand Today!

If you’re trying to figure out your path through the credit card jungle, universal default is one of the biggest concepts that you need to learn. You see, it’s a practice that is industry wide that could absolutely derail your credit repair plan before you know it. Simply put, universal default means that the terms …

How Does Bad Credit Really Affect Your Spouse

If you just got married, chances are good that emotions are running high. After all, you have found the love of your life and everything is looking good. You just have to make sure that you keep things going smoothly. And that means making sure that you understand the way your credit is affected by …

The Best Way to Maximize an IRA

Saving for retirement information? On a bad credit site? Trust us — it makes sense. If you want to get out of debt, that’s definitely a noble goal. However, one thing that we have personally noticed is that a lot of people end up finding themselves without any ability to save for retirement. They don’t …

Stay Honest on New Credit Applications – It’s Not Worth It Otherwise!

If you’ve got bad credit, the only solution sometimes is getting new credit. However, it’s important to realize that trying to get credit at all costs is not a wise idea either. If you lie on your credit application and get the loan or credit card, everything might be just fine. However, you’re opening yourself …

Can The Collection Agencies Really Come After Your Inheritance

Coming into a bunch of money from an inheritance? Don’t be surprised if the collection agencies begin pursuing you for old debts. Even though the statute of limitations might have run out on a debt, you will find that plenty of debt collection agencies still want to make sure that you focus on them rather …

The War For Good Credit Starts Now – Join the Fight!

Sometimes life is a battle, but it doesn’t have to be that way forever. If you’ve been looking at your finances and getting overwhelmed, there must come a time where you build a plan of action that gives you power and strength. You will need to realize that even though you might have bad credit …