Blog Posts in 2018

Common Credit Report Errors and How to Correct Them

According to the Federal Trade Commission (FTC), about 5% of consumers have errors on their credit reports and 26% of people involved in the study had an error that might potentially impact their ability to get a better interest rate. This can be easily rectified with a little more proactive behavior, such as checking your credit report once a year. In fact, the Fair Credit Reporting Act requires ...

Is Bankruptcy My Only Option?

There is often a lot of stigma attached to the mere idea of bankruptcy that is rarely rooted in what it actually means to go bankrupt. As such, many who are deep in debt might try to avoid it even when it is their best chance at rebuilding a better and healthier financial future. That said, bankruptcy is not the only option, so it is important to fully understand and grasp the details of your ...

How to Stop Creditor Harassment

Being in debt is a frustrating experience on its own, but when you throw in the constant harassment of creditors, it can make a bad situation even worse. In many cases, people quietly put up with creditor harassment and assume they are helpless against it. The fact is that there are some things you can do to reduce the calls you receive or eliminate them altogether, but it will not happen on its ...