You Need Instant Cash, So Why Waste Time – Get It Now!

When you’re running out of time to get your financial needs taken care of, you definitely know it. You don’t need anyone to tell you what to do, or when to do it. You know that time is running out, and it’s definitely time that you took care of things. The more that you stress …

Pay For Delete Agreements

A pay for delete agreement is a tool you can leverage to remove collection accounts from your credit report. Any time you request validation from a collection agency/junk debt buyer and they respond with adequate validation, you’ll need to pay them, but you should always attempt to negotiate a pay for delete agreement with them …

Debt Validation Sample Letter

Here is a debt validation sample letter that you might send to a collection agency or junk debt buyer to request that they prove the validity of a debt they are trying to collect from you. Feel free to use your own words and tailor the letter to fit your particular situation. Remember to send …

Junk Debt Buyers: Who They Are and How to Handle Them

A junk debt buyer (JDB) is a company that purchases uncollected debts from original creditors. This may include charged-off debts; debts included in bankruptcy; debts that are past the statute of limitations; and the remainders of settled accounts. The difference between a JDB and a collection agency is that collection agencies attempt to collect debts …

Sample Statute of Limitations Dispute Letter

Here is a sample statute of limitations dispute letter that you might send to a collection agency or junk debt buyer if you are being pursued for a debt that is past the statute of limitations. Please note that you should use the sample letters on this site as guides, rather than simply copying and …

How to improve your credit report

If you have ordered your credit report and found it wasn’t as good as you hoped, there are things you can do to improve it – but it could take time. First things first: find out what’s gone wrong and take steps to avoid the same problems in the future. Your credit report is entirely …

Why Is the APR For Bad Credit Car Finance Higher

Sometimes life just doesn’t seem fair. You’re trying to get back on your feet and get reliable transportation, only to find that no one really wants to get you car finance options at all. That’s a real shame when you think about it because there are just so many opportunities to change your life once …

Turn Bad Credit Into Good Credit With PPI Claims

Bad credit is something that takes over your whole life. Trust us — we know all about it. When you feel that you can’t get past your bad credit, it feels like there’s no escape for you. There’s no way out. Everything feels like it’s closing down on you. That’s no way to go through …

Sample Nutcase Letter

Here is a sample nutcase letter. “What in the world is a nutcase letter, and what would I use it for?”, you ask? The purpose of the nutcase letter is to convince a creditor or collector to remove a derogatory listing from your credit report that is paid in full. Remember, collections and charge-offs still …

Medical Debts Listed on Your Credit Report

Medical debts listed on your credit report can and should sometimes be handled a bit differently than normal debt listings. Although you can dispute a medical listing the same way you would any other, you have additional rights that you can leverage when it comes to medical debts. Chances are, you’ve heard of the HIPAA …