Student loans seem to be on almost everyone’s credit reports . They can positively impact your credit scores if you are consistent with your payments and aware of what is happening with your loan. As with any bill or loan you take out, it is extremely important to your credit score as well because it […]
Author Archives: creditlaw2022
01
Mar
Mar
Less Than Perfect Credit Scores and Living Situations. Many families deal with tough situations when it comes to rentals and the landlords that come with them. According to the Business Insider, more Americans are renting than at any time in the last 50 years. I can recall a time when I rented a home that […]
22
Feb
Feb
How Does A Decrease In Credit Limit Effect Me? Your credit utilization rate is one of the most important factors when it comes to your credit score. Depending on how much of the available balance you use will reflect what kind of borrower you are and can be the deciding factor in a substantial credit […]
17
Feb
Feb
How To Deal With Debt Collectors I have recently been receiving strange calls from someone trying to collect money from me, what do I do? As a consumer, it is important to be educated about the process by which an actual collection agency attempts to collect debts as opposed to scam callers asking you to […]
15
Feb
Feb
Why Consumers Hire a Law Firm For Credit Repair There is a major difference between what a credit repair company can do versus what a law firm specializing in credit repair can. What you may find even more interesting is that a consumer can actually do more than what a credit repair company will. A […]
10
Feb
Feb
I have clients from all over the country asking me how much particular items on their credit report are affecting their credit and if the item is removed, then will their credit score rise. It is difficult to provide a precise answer because there are many underlying factors that can make or break your credit! […]
08
Feb
Feb
Your Fix of the Mix We all know the importance of having a good credit score.With a high credit score, you can open to door to better interest rates, loans, benefits and more! Good credit can be the deciding factor in whether or not you get approved to rent a home or get a particular […]
03
Feb
Feb
Buying your first home is a daunting milestone in everyones life and can bring both joy and anxiety when beginning the process. One large source of anxiety comes from the ever looming need of an acceptional credit score to aquire acceptable rates. For those that meet this criteria as displayed by your credit monitoring service; […]
03
Feb
Feb
Buying your first home is a daunting milestone in everyones life and can bring both joy and anxiety when beginning the process. One large source of anxiety comes from the ever looming need of an acceptional credit score to aquire acceptable rates. For those that meet this criteria as displayed by your credit monitoring service; […]
01
Feb
Feb
Whether you are applying for a new credit card or a home loan, hard inquiries are constantly present when attempting to build credit. Although hard inquires are one of the most common items found on a credit report, there is still much mystery surrounding their effect on a credit score. In todays “Fact or Fiction” […]