Credit Cards For College Age Students│5 Back To School Basics

Back To School For College Students

Do you remember what you did with the last credit card you closed out or cancelled?

  • Be aware of your surroundings at all times
  • Don’t skip class
  • Get involved/meet new people
  • Have fun, but not too much fun

College orientation can be a whirlwind and there are so many things that happen very quickly prior to the first day of classes. It is no longer as easy as grabbing the list at Walmart for school supplies and heading off for your first day.

I can recall my mother and I signing up for a checking account at a bank that was local in the town my University was at. I was extremely excited to start school and was ready for all these new responsibilities.

With that being said, there were also some things I didn’t know about as an 18 year old out on their on my own. I was not aware of what all went into good credit scores.

Here are five tips to educate your college age student when it comes to credit:

1. The Reality

As a student you may not know what shows on your credit reports.  Student loans are just one of the items that may end up on your credit report.

Other things that may show up on your report in a negative way can be

  • late payments on utilities
  • a landlord that you or a roommate doesn’t pay with the lease and fines
  • retail credit cards
  • late payments on a student loan

If your student is making payments on their loan themselves, stress to them that late payments are very serious when it comes to their credit. The same goes for any kind of credit card or bill.

A late payment on a credit report can drop a score up to 100 points. Rebuilding credit can take a while and although it may not seem to be a big deal to a student currently, good credit is important and should be emphasized to your student.


2. Find The Right Fit For You

If there is an absolute need for a credit card as a student, you want to be sure to do all research before taking the next step and signing up.

When you are looking into applying for a credit card remember these few rules

  1. Shop for low rates
  2. Try a credit union
  3. If you apply for a checking or savings account with a bank, look into credit card options with them as well


free credit repair consultation

3. How To Use The Cards You Get

A credit card should only be for emergency use or to build credit. Students should keep credit card balances as low as possible. If they are using the credit card, try to keep the balance below 30% of the limit.

Credit card balances are reported to the credit bureaus each month. Your credit score will reflect lower scores, if your balances are very high or are reaching maxed out or close to the limit.


4. Building Credit

If your student is using credit cards, encourage them to monitor their credit.

The myth out there about having to keep a balance on your credit cards is not accurate. Remind your student as well, that most of the credit cards will be acquiring interest.

There are many companies out there that will offer credit reports for free or you can enroll in credit monitoring.

When pulling a credit report, take note that any consumer score that you can view online is a vantage score not an actual FICO score. Vantage scores tend to be higher than what an actual FICO is. FICO scores can only be given to  you by a bank or lender. However, monitoring your credit at this time is more about what is showing on the report and the timely payments, etc on the report rather than the bureau scores.

5. Put A Lid On It

In an era where it seems there are so many awesome things going on whether you are on Facebook or Instagram, it can be hard to miss out on fun opportunities that maybe you just cannot afford.

Although your student may want to take that awesome Spring Break trip with friends or they have a hard time without the newest clothes, continue to help guide them and help them understand the importance of making good financial decisions.

How Can My Student Start Building Credit?
  • Become an authorized user on family member card
  • Look into a credit builder loan
  • Apply for a secured credit card

There will be many important life lessons that happen through this next time period in their lives. As parents it is important we both teach and model good decisions and long lasting lessons. We hope this sparks a conversation in your household about good financial choices for your high school graduate or soon to be graduate.


Do you have questions about your credit report? If you would like to speak with one of our attorneys or credit advisors  and complete a free consultation please give us a call at 1-800-994-3070 we would be happy to help.

A Note From The Author: The opinions you read here come from our editorial team. Our content is accurate to the best of our knowledge when we initially post it.

Article by Breana Washington


Check out Credit Law Center’s info-graphic on 4 myths of collections reporting on credit reports.
credit collection myths infographic

credit collection myths infographic


Millions of people in America with mistakes on their credit report- Credit Law Center



Believe it or not we live in an age where much of what goes on in our daily lives is monitored, collected and sold to interested parties. Our driving records, our medical history, our internet traffic and most importantly our credit information. Which can make you vulnerable to identity theft or a mistake on your credit report, that could cost you money. These mistakes can increase the interest you pay on your loans, prevent you from getting a mortgage, buy a car, landing a job or getting a security clearance. A government study indicates as many as 40 million Americans have a mistake on their credit report. Twenty million Americans have significant mistakes and the credit reporting industry shows that those mistakes can be nearly impossible to get removed from your record.

Consumer Credit Reporting

Consumer credit reporting is a four billion dollar a year industry dominated by three large companies Experian, TransUnion, Equifax. They keep files on 200 million Americans in traffic and our financial reputations. They make their money gathering information from people we do business with and sells it to banks, merchants, insurance companies and employers. These businesses use it to make judgments about our credit worthiness and reliability.

But now the reliability of the industry is being questioned by the Federal Trade Commission. John Liebowitz served as FTC chairman says “One out of five Americans has an error on their credit report and one out of ten has an error on their credit report and because of these mistakes Americans credit scores might be lower as a result”.

Close your eyes for a minute and trying to think of another industry where a 20 percent error rate would be acceptable. Maybe weather men and woman are the only ones that you were more than likely able to come up with. Even then, you want to make sure you remind them that they were wrong because they ruined your plans.  The same applies to your credit report.

Errors On Your Credit Report

These errors are clear violations of the Fair Credit Reporting Act which performance based credit repair companies can take care of for you, that monthly credit repair companies just can’t. Performance based credit repair companies like Credit Law Center uses those mistakes as leverage to get their clients results faster, without dragging out the process to simply collect as much money as they can get.

These banks, merchants and debt collectors have a legal responsibility to make sure that the information is accurate. The federal law says that if you believe that there is a mistake you can go to them and they have an obligation to do a reasonable investigation. Let’s face it, they are not doing a reasonable investigation.

Disputing Your Credit Report

Eight million people a year file disputes about their credit report, which usually requires a visit to the Experian, TransUnion or Equifax websites. Those sites are primarily designed to sell you premium products, not resolve a dispute. There’s a toll free number you can call which is likely to connect you to someone on a faraway continent.

Besides the toll free number, they also give you a post office box address where you can send a letter and documents supporting your claim in each case. It’s extremely unlikely that anyone with the authority to resolve your dispute will ever actually see it. Usually if you challenge your credit report and mail your information to a post office box in the United States, the dispute will likely be investigated in India, Philippines or South America.

Then your dispute will be sent with a two or three line summary and no documentation back to the bank,merchant, or debt collector that furnished the original information. If there was a difference of opinion between the creditor and the person who was filing the complaint. The bureaus usually resolve it in favor of the creditor. You heard correctly, the creditor was always right.

The difference between monthly and performance based credit repair

Much of what’s known about the inner workings of the consumer credit agencies come out of lawsuits filed by performance based credit repair companies like Credit Law Center who have subpoenaed company records, deposed employees and executives and say under the current system there is no way for people to get these issues resolve.

Performance based companies like Credit Law Center can get a jury verdict for hundreds if not thousands of dollars for their clients.That’s chump change for these bureaus! They would rather pay a verdict in a hundreds to thousands of dollars, than to actually go in and change the policies and procedures that they have.

What most people don’t understand is that monthly credit repair companies are limited by what they can do. Basically you are paying $65 to $100 a month to send dispute letters that are going to India, Philippines, South America or filling out the dispute on the 3 big credit bureau sites on your behalf and keeping their fingers crossed. Very little if any fighting for consumers rights are going on.or people to get their problems solved. So clients who take the time to meticulously document their case that the bill isn’t theirs or the bill has been paid, have sometimes not only got the items deleted but also has received a check from the bank, merchant or collector for damages.



Quick, Affordable, Credit Repair │Reviews and Recommendations

Quick and Affordable Credit Repair That Works

When you are interested in a product where do you normally go for feedback? If you immediately go to the review section of a product or turn to friends for their recommendations you are like most consumers out there!

With the device in your hand that you are probably reading this article on, you can easily search the internet for the “best of the best” of almost anything you may want to purchase.

Over the years, many consumers have tried to go to various companies for credit repair services and advice but have been disappointed by services that over promise and under deliver. Credit Law Center is an attorney based credit repair company built on a solid foundation of trust and commitment to their clients. The reviews from both clients and real estate agents and loan officer’s speak volumes. Not to mention, the company has been open since 2009 repairing credit as opposed to some companies that last in the industry for a few years or less.

Trusted Partners

At Credit Law Center, on average there are 600-700 new clients a month. Over half of these clients are referred over by loan officer’s and real estate agents from 46 different states.  If you were wondering what these referral partners and businesses receive from Credit Law Center in return, the answer is simple. Theses agents, after just a few months in credit repair, receive a client that is ready to purchase a new home or was able to close on a house. Both companies are in constant contact to ensure that the goal of closing on a home is met.

A client in credit repair with Credit Law Center can expect that they will be educated throughout the process on how to continue to raise their scores and learn more on the way credit works, so they can continue to build their scores long after they have left credit repair.

One loan officer, Drexel Swanson with USA Mortgage has been using Credit Law Center to refer his clients for several years. “I have closed 8-10 deals this year that would not have happened if Credit Law Center didn’t get involved, just three this October.” Drexel feels that Credit Law Center works at a reasonable price and goes above and beyond to educate his clients as well.

“One client signed up (less than 30 days before closing) and improved his score and saved $5,000 in closing cost because his scores increased by 55 points. He spent less than $1,000 with Credit Law Center,” Swanson says.

law firm vs credit repair

Credit Law Center’s Promise to Clients

There are many companies that will lock a consumer into a monthly program which means they are already collecting the clients money and have no real reason to improve the credit scores because they are being paid. At Credit Law Center, their promise to their clients is they will not pay unless items are removed. While there is a credit monitoring fee, this is strictly to show and monitor what items are actually falling off the credit report. Clients with Credit Law Center can go in and look at their accounts and see what is being removed. They also receive letters from the creditors and collectors with statements showing if their debts and items on their report are removed, updated or verified.

There are several complaints out there with various credit repair companies that the consumers were unsure of what really was improved on or where their money was actually going. Credit Law Center clients receive their updates and a list of the items that were gone after, and what was removed or not. Communication and expectation is set at the beginning of the consultation so the client is aware of the possibility of items to come off or not and realistic expectations are discussed, Deborah felt she receive great service from start to finish.

“My husband and I are extremely satisfied with both the customer service we have received and the results provided by the Credit Law Center! When we first contacted CLC we were in the process of trying to buy a house and we thought that this would be impossible due to my husbands horrible credit scores. My husband had been making strides on his own to improve his credit, but the process was extremely difficult because of all of his past debts and collections. After the first 45 days we were shocked! A lot of the items that were dragging his score were removed and his credit had improved dramatically! We are so grateful to have found a company that is so dedicated to what they do. They have such a great reputation because of their high success rate and also will not charge you unless they actually get items removed! Sincerely, thank you so much!”


free credit repair consultation

What do the scores mean?

If you are interested in what scores you are seeing when you pull your own credit report, you are looking at consumer or vantage scores. This is the score you have access to online that may show higher than what a lender or bank would pull for you. These are not true FICO score. These scores show higher so that you will start shopping around for products, or continue to spend. Your score may be significantly lower when you apply for a home loan with an actual bank or lending institution. Once you understand this, the frustration or mind game you feel that happens when your scores are so different won’t be so frustrating. So, what do your scores mean for you?

  • Very Good : 740-799
  • Good : 670-739
  • Fair : 580-669
  • Poor : 300-579
What are the fees associated with credit repair?
  •  $65 for collections, charge-offs, and repossessions.
  • Bankruptcies, foreclosures and short sales are $120.
  • Credit Law Center is able to also help in debt negotiation
  • Credit Monitoring


Do you have questions about your credit report? If you would like to speak with one of our attorneys or credit advisors  and complete a free consultation please give us a call at 1-800-994-3070 we would be happy to help.

If you are hoping to dispute and work on your credit report on your own, here is a link that provides you with a few ideas on how to go about DIY Credit Repair.

A Note From The Author: The opinions you read here come from our editorial team. Our content is accurate to the best of our knowledge when we initially post it.

Article by Breana Washington

Am I A High Risk Borrower?│I Want To Buy, Now!

I Want To Buy, Now!

Are you preparing to purchase a home in the next few months? It seems that when we are not looking, a home just pops up and finds us, at a time when we were not even contemplating making a move. Then, boom!  The rush is on to beat the clock and make an offer before the next person does. With how quick homes are flying off the market, the best thing to do is be as prepared as possible right now, in the event you do find what you are looking for.

Many borrowers hoping to apply for a home loan are unsure of what a lender might need because it is either their first time, or the process was so long ago. Let’s go more in depth here, about what you will need to get to the point that you are ready to purchase!

Here are 4 things you’ll want to start thinking about before you meet with your lender:

  1. Locating your W2, pay stubs and documents to provide proof of income
  2. Decide if someone will be on the loan with you
  3. How much money you may have/can save for a down payment
  4. Your credit scores
This list will start to prepare you for what your lender will want to discuss with you. More often than not, what is going to keep you from moving through the process as quick as you’d like, is if your credit scores are not where they need to be.
Facts on Fico

FICO is grading you on a few key factors:

  • Payment history
  • New credit
  • Types of credit used
  • Length of credit history
  • Amounts owed


If you are looking at your credit report and seeing several derogatory accounts, late payments or other items you will want to look at cleaning up your credit before you go in to a lender. In an effort to lessen the pain of a solid “No” next time you meet a lender, and miss out on your dream home, please consider the following points. If you feel you are a high risk borrower, there are a few things you can you do to ensure that you can lower your risk to lenders. The more prepared you are and the more education you have, the more equipped you will be to get approved and improve your buying power!

4 Challenges of a High Risk Borrower

1. Do you have a low Fico?

You can be sure that your lender will be taking a look at your credit report when you are thinking about purchasing a home. This score is a large portion of what they are using to determine your trustworthiness and the likelihood of you defaulting on a loan, based off previous loans, bank accounts, credit card payments, etc. As important as the scores are in this process, do not let this keep you from going in to see a lender.

If your FICO scores are low there are several things you can do to increase your scores on your own. Read more here, or speak to a credit advisor at Credit Law Center so they can look through your report and ensure you are mortgage ready before you find the home of your dreams.

2. What does your employment status look like? 

Your employment status and employment change are two very different things. Should you be changing jobs often, this may be cause for concern. If you are working a full-time job with regular, consistent pay, creditors prefer this. If you do not work on a set schedule with set pay however, or maybe are self-employed (with less than 2 years of verifiable income), a lender may be very hesitant to lend you any money.



free credit repair consultation


3. Are you lacking excess funds?

Although there are several programs in place for borrowers with little to no money down, it is a good idea to save and have some skin in the game for a down payment. Many lenders would prefer to work with someone that has shown financial responsibility and saved and set aside money. A lender may be hesitant if you  do not, and potentially feel like you still may be a risk.

4. Are you avoiding other responsibilities you have?

Late payments impact your credit score the greatest. If a lender sees you have been falling behind on responsibilities you already have, this can be a large red flag during this process. Again, they are considering the likelihood of you to fall behind on the loan, and if you are late on several bills, why would they feel your mortgage would be any different?

If the above apply to you, and you are potentially a high risk borrower, do not let that stop you from pursing a home. As discouraging as things might seem, there is hope for you after some time of getting back on track.

If your credit is not where it should be and your lender has expressed concern, you may look into a few different options within credit repair. If you are in a rush and are pressed for time, Credit Law Center can help you through a quick and affordable process. Each round with Credit Law Center lasts 30-45 days. If you have items on the credit report that have to be removed (collections, tax liens, bankruptcy, etc) allow a credit advisor to walk you through a consultation.

The credit advisors at Credit Law Center will let you know what you can work on, on your end as well as what you may be doing that is keeping you from higher credit scores. With a little help and a guide to walk with you, that new home may be closer than you expected.


A Note From The Author: The opinions you read here come from our editorial team. Our content is accurate to the best of our knowledge when we initially post it.

Article by Breana Washington

Do you have questions about your credit report? If you would like to speak with one of our attorneys or credit advisors  and go through a free consultation please give us a call at 1-800-994-3070 we would be happy to help.


How to Find Out If You Are Affected By Equifax Hack

Have you been affected by the Equifax hack?

On Thursday, Equifax, one of the three major credit reporting agencies announced that hackers had obtained access to company data potentially impacting approximately 143 million U.S. consumers. After the companies recent investigation, Equifax stated that the unauthorized access occurred from mid-May through July 2017. The cybersecurity incident was discovered on July 29, 2017, in which they immediately took measures to stop the intrusion by engaging with a leading independent cybersecurity firm. The company also reported the incident to law enforcement and will continue to work with the authorities until the investigation completes in the coming weeks.

The information accessed includes names, Social Security numbers, birth dates, addresses and in some instances, drivers license numbers. Equifax also stated credit card numbers of approximately 209,000 U.S. consumers, and personal identifying information for 182,000 consumers involved with credit disputes.

How to tell if you been affected by the hack?

Equifax will not be contacting everyone that may have been affected, but the company will be sending out direct mail notices to consumers whose credit card numbers or dispute information were accessed. Richard F. Smith, Chairman and Chief Executive Officer for Equifax, stated: “We also are focused on consumer protection and have developed a comprehensive portfolio of services to support all U.S. consumers, regardless of whether they were impacted by this incident.” The company has established a dedicated website,, to help customers determine if the hack potentially affected them. The site will be available as early as Monday, September 11, and will also offer U.S. consumers to sign up for credit file monitoring and identity theft protection, and the offer will last for one year. TrustedId Premier will handle the monitoring and protection and will include 3-Bureau credit monitoring of Equifax, Experian and Transunion; the ability to lock and unlock Equifax credit reports; identity theft insurance; and internet scanning for Social Security numbers. However, the credit monitoring and identity protection may require you to accept TrusteId’s terms and conditions, including it’s “Attribution” Section.

Equifax has also set up a dedicated call center, 1-866-447-7559, to assist customers seven days a week from 7 a.m. – 1 a.m. Eastern time.


Protecting your Identity Theft

Identity theft continues to increase each year, in 2016 victims of identity theft were robbed of $16,000.00. An important factor in protecting yourself from identity theft is regularly checking your credit report and monitoring your account statements. As a consumer, you are allowed a free copy of your credit report once a year from all three credit reporting agencies, Equifax, Experian, and Transunion. You can request your free copy of your credit reports online at If you have noticed unauthorized activity on your credit report or accounts, immediately report the activity to your bank or credit card companies, and then contact law enforcement.

For Additional information on how to protect yourself against identity theft, you may access The Federal Trade Commission’s website.

Ease and E-Commerce│The Pros & Cons of Online Spending

How Would You Like To Communicate?

We took a recent survey on our Facebook page asking how users would like to be contacted; via phone call or text/email conversation. The results were not surprising! More than 90% of users voted text and emails. There seems to be a wave of change happening in the way our every day consumer takes in information.

Are you watching the news or your news feed for most recent events? Are your daily interactions on a device or a face to face debate?

If you are with the 90% of consumers that would rather communicate with no real human interaction, does this also apply to the way you purchase goods and services now too?

E-Commerce and E-Tail (Not Retail)

Apparently, it does!

The trend continues when you look at companies that are now converting their grocery shopping to an online platform. Their consumers are taking a side that “we are too busy” to go in the store anymore or that they no longer want to deal with lines, people and the inconvenience it adds to their day.
So what did these companies do? They gave consumers what they wanted; convenience.
As a whole, business owners are recognizing they need to shift their focus (and their marketing) to the digital platforms.

The Pros Of The “New Consumer”

Are there some products you are okay with buying online as opposed to others? Science says that for some people, purchasing an unfamiliar product they feel is more comfortable to buy in person. Have you gone to the store to try a new product, only to return it again a few days later? This proves the point that we will continue to buy familiar products over and over again. For those that do quite a bit of shopping online, they most likely stick to the same brands and services they have come to know and trust because they know the likelihood of having to return it is slim. That among the convenience of buying online makes the e-commerce option seem more appealing.

For Businesses, the pros are as follows:

  • Customer Loyalty
  • Brand Recognition
  • Repeat Customers
  • Customer Reviews/Satisfaction

Many of these pros play a very important role in the customer experience! For an online consumer, there is no long lines, and annoying check out attendant, just a basket of items to add and one click to check out. If the user experience is quick, easy and a great product, you better believe they will share it with all their friends (Facebook “friends” too).

The Cons on “Over Consuming”

While there are many reasons why the customer experience and the instant gratification with online shopping seems great, there are a few cons to the way we are making these transactions. While shopping in a store, there are several emotions that play into the purchase or “put back” of an item. Does this seem practical? Do I need it? What is my budget like?

You may feel you are getting great deals or that “time is money” but you may be overspending when it comes down to it. The same way that these businesses have marketed to you to show you that their way is better, are the same tactics they use to market more products and a need for more “stuff” that they have.


free credit repair consultation

You may find that you are spending more money due to:

  • High credit card balances (trying to make more payments to pay them off)
  • Cost of shipping products
  • New Products daily in your email/phone that you buy because you “want” them

There is an overwhelming amount of consumers in debt. The fact is, we sometimes we consume to many products and services without even recognizing it. Have you been there before?

Your Finances

If you are finding that you are falling behind on payments, have credit cards climbing in debt and have collection companies calling you daily, you may be in need of help. Credit Law Center is a law firm that specializes in credit repair. There are credit advisors ready to help you cut back and buckle down on your finances again. Whether you are thinking about filing for bankruptcy or are struggling to figure out the best option to pay a creditor back, they want speak with you so you can get back on track. Whether you want to talk via text, email or by phone, they can tailor to your needs.

The first step towards getting somewhere is to decide you’re not going to stay where you are. Take the next step to better credit and a better life.


Do you have questions about your credit report? If you would like to speak with one of our attorneys or credit advisors  and complete a free consultation please give us a call at 1-800-994-3070 we would be happy to help.


A Note From The Author: The opinions you read here come from our editorial team. Our content is accurate to the best of our knowledge when we initially post it.

Article by Breana Washington

law firm vs credit repair


Helping Your Borrowers│A Referral Program For Clients That Don’t Qualify

A Referral Program That Works

As a real estate agent or loan officer, are you finding that many of your potential clients are being turned away due to low FICO scores? What are you doing to help them once they are denied? Credit scores are a vital part of the home buying process. So, what do you do when your client can’t get financed? If you do not have a trusted resource in your toolbox and a great referral program, you should continue reading.

The Referral Process

This is no fly-by-night credit repair program. We are a law firm specializing in credit repair and we only charge our clients for the successful removal of an item from the credit report. At Credit Law Center we onboard anywhere between 600-700 clients a month. We have worked diligently with lenders and real estate agents to ensure we are educating and informing each one about what their clients are going through with poor credit and what they may be able to help them (things like mistakes on the credit reports they see, or as real estate agents, clients that want to buy but cannot) and what the next steps are for their client, whether that be a little credit education or a complete overhaul of the credit report. We also educate their clients about ways they’re impacting their credit scores and what their rights are as a consumer under the FDCPA (Fair Debt Collection Practices Act) and the FCRA (Fair Credit Reporting Act).

Actually, 53% of our business comes from agents and brokers all over, as we currently work in 48 states (excluding Georgia and South Carolina). Our referral program is exceptional and we work very closely with each agent and lender.

Real estate agents and loan officers are missing out on business by turning away borrowers with less than perfect credit scores. While you cannot change the lending process, you can invest in the potential of clients and partner with a referral program that works!  Let Credit Law Center be part of the missing puzzle piece.

Your Piece of the Puzzle

Give your clients the gift of a second chance. Each interaction you have with a borrower that becomes deflated due to not qualifying, you should attempt to turn the conversation around with the hope of “it isn’t a no, it’s just not yet.”

If you are looking at credit scores with a client and you see someone that cannot get qualified due to medical collections, repossessions, bankruptcy, student loans that have fallen behind or are at a 600 and below, those should be clients you send directly over to speak with a credit advisor. Clients in the poor and fair range will appreciate your effort in trying to aid them to get a home loan rather than turning them away and shutting the door on a better future for themselves and possibly their families.

  • Very Good : 740-799
  • Good : 670-739
  • Fair : 580-669
  • Poor : 300-579

As an agent or lender, you may rely on previous client referrals. How much more business could you bring in when you spend a small window of time with someone and refer them to a program to help them? You will soon become a trusted partner to them and to anyone else they may know that has gone through something similar.

The Return on Investment

The benefit to sending a client to Credit Law Center is that it costs you, as a lender or agent, nothing! We understand that building your pipeline and building relationships comes down to the people you refer business and how quickly they get back to you. The referral partners we work with can feel secure in knowing that their clients will only be charged for actual work that is being completed rather than a month to month service fee.

law firm vs credit repair



free credit repair consultation

The Perks to the Program

As a referral partner with Credit Law Center, you will have a credit advisor appointed to you and your clients. This is your main point of contact and someone you can rely on to send you industry specific education, updates on clients improvements and credit specific questions. We conduct monthly webinars that you can tune into with credit education or industry changes. You can tune into these or receive a copy so you can continue to use it for your office or client education. We believe that credit repair as a whole, has a negative connotation surrounding it. We have over 30,000 satisfied customers whose lives have been changed because someone referred them and they started the program.

  • We can work with collections, charge offs, tax liens, judgments, bankruptcies, foreclosures, late payments and issues with some student loans
  • We only charge the clients for the removal of the items we dispute
  • They will become educated in how to improve their credit scores and useful tips on usage and good decisions financially
  • You will be updated on a clients progress
  • Turn around time for clients is quick, as we do not get paid unless we are making progress
  • You can rely on our company and your credit advisor for any industry, credit specific questions

If you run into a client that you have to turn down, you do not have to take any extra time trying to go over their credit report and help them; leave it to us! We are a trusted part of your team and will work alongside you and your clients. We look forward to helping you grow your business and helping changes lives with you.


Do you have questions about your credit report? If you would like to speak with one of our attorneys or credit advisors  and complete a free consultation please give us a call at 1-800-994-3070 we would be happy to help.

If you are hoping to dispute and work on your credit report on your own, here is a link that provides you with a few ideas on how to go about DIY Credit Repair.

A Note From The Author: The opinions you read here come from our editorial team. Our content is accurate to the best of our knowledge when we initially post it.

Article by Breana Washington


The New Word Is Yes│A Credit Card Company Ready To Work For You

The New Word Is Yes

Little to no credit history can make it hard or near impossible for students that are applying for student loans or other lines of credit to start progressing. Many institutions turn students away because they don’t already have credit established. But how can you establish credit, when you continue to be denied credit cards in the first place?  Deserve is bridging the gap for students to be able to start building credit, without turning them away due to a lack of credit history.

If you are a soon to be college student, currently enrolled, or soon to be graduate, there are more incentives with this credit card like referral bonuses and Amazon Prime Student perks to start looking into. You’re going to want to keep reading, because it gets even better!

Establishing Credit

This new card helps not only domestic students but international students as well. This credit card will will start reporting to 2 of the 3 major credit bureaus (Transunion and Experian) so making payments on time to your credit card will be very important. To start the process and apply with no credit history, they will be looking at several factors:

  • The financial documents you provide and your credit potential
  • Bank account balances and your ability to pay
  • Your contact information and how frequently it changes in the likelihood that they need to get in touch with you
  • Your major and the likelihood to graduate and get a job


The Benefits to the Card

If you are approved for the credit card, you will notice there are several factors that make the Deserve card stand out:

  1. No annual fee and no foreign transaction fees
  2. Your first late fee is waived (do not let this be a trend, lates on a report can harm you scores greatly)
  3. Unlimited 1% cash back on all purchases-rewards will not expire as long as your account is active
  4. 12 months with Amazon Prime Student-a six month free trial and a 12 month statement credit of $49.99 when you use the card for the subscription
  5. Referral credit money to account-$30 of credit every time you refer someone and the friend also gets $30 for joining. You can refer an unlimited number of friends but if you refer 10, you’ll get a $200 bonus to the accoun

In order to start building credit here is what you need to apply:

For domestic students

  • Your Social Security Number


  • ID

For International Students

  • Student Via, passport ID or school documents (I-20 form or DS 2019)

Applicants must be 18 years of age for this offer. There is no deposit needed and no cosigner for the credit cards Deserve offers.



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Key Factors to Remember

Often times college age students get out into the world and are ready for independence. Before you start applying for credit cards on your own please consider three very important variables.

1. Debt-Credit cards are not to be taken lightly and should be used knowing exactly the goal in mind-to build credit. Racking up credit card debt will follow you around for years. Buying a tank of gas or a textbook and then paying it off is good practice with your money. Try not to overspend or live outside of your means.

2. Utilization-High balances on a credit card mean low credit scores. If you have a credit card you are using, the balance should be as low as possible. If you are having to use it for something significant and the balance is pretty high, try to cut that down to below 30% of the utilization. This will help you keep your credit scores up.

3. Budget-Keep in mind your why for the credit card you have. If you are hoping to build your credit scores up, remember the other debts after school that will follow you i.e student loans, etc. The last thing you need is a credit card looming over you for years because of a spring break trip you took in college. Know your limits and understand your budgets!


While there are many credit card companies out there to help build your credit scores as a young adult, this is just one option out there to explore. Finding the right credit card for you and your needs will take research and patience. Consult a trusted guardian or advice from a relative about the options out there and establish boundaries for yourself. For families, this is a great way to start the conversation on finances and understanding a budget while away from home. Additional resources on student loans and credit building cards, you can follow the link.


A Note From The Author: The opinions you read here come from our editorial team. Our content is accurate to the best of our knowledge when we initially post it.

Article by Breana Washington

Do you have questions about your credit report? If you would like to speak with one of our attorneys or credit advisors  and go through a free consultation please give us a call at 1-800-994-3070 we would be happy to help.


3 Ways You Could Be Hurting Your Credit│Changing Your Mindset

How You Might Be Hurting Your Scores

There are so many things that come into play to obtain a healthy credit profile. The hardest part of navigating the credit world however, is knowing what advice is accurate and possibly stumbling a few times in an effort to get back on track. Many times consumers think they have a good grasp on it all and then over night something changes. Have you been in this situation? Does it seem almost impossible to impact your credit scores in a positive way? Here are 3 ways you may not have known you were actually damaging your credit score, rather than helping it.

In order to keep your credit scores at the best they can be, there are a few things you can do on your own. While it may seem that the score is out of your control, you can manipulate it more than you thought!

  • Paying bills on time
  • Keeping balances below 30%
  • Only use credit cards for emergency or items you know you can immediately pay off
  • If you have a high balance, request your credit card increase your credit limits to get back down to the 30% utilization limits

Make Payments Too Late or Too Early

Late payments can damage your credit scores significantly.  Do you have your credit card payments set up on auto draft? For many people, the easiest thing to do is set everything up automatically after a pay period or a time when all other bills come out of their bank accounts. This is not a negative way to go about paying bills, but you can continue to work smarter and not harder in an effort to see an increase.

The credit card company that you are most likely using does not always report to the bureaus after you have made a payment. Knowing the cycle period on your accounts is vital. The credit card companies typically update a report once a month. If you want your credit card to look the best it can when you are applying for a loan and need your scores to look the best, pay the statement in full before the statement closing date. This will report to the bureaus as a zero balance which in turn, makes your scores look great because your utilization is down.

Please note: You can ask that your credit card company let you know when they report to the bureaus so you can be informed and make your payments accordingly.

Closing Cards Too Soon

Closing unused credit cards out seems to be a trend that many consumers follow. When you do this to a credit card with great payment history and low balances and several years on the length of history, you actually damage your scores.


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Do you know why that is?

When you close out a credit card with a low to no balance on it with a very high utilization ratio, you are telling FICO that your utilization amounts just went up significantly. Once the card is closed, it is not considered by FICO any longer. The longer the life on the credit card the better. If you have no use for the credit card, try to use it for a small purchase every 60-90 days.

Large Credit Card Balances

Your debts are heavily weighed by FICO and are a very large portion of the scoring model. If you have credit cards with large balances that you make payments on, on time that is great. However, the best way to really increase your credit scores is begin to pay down the balances on the cards as much and as soon as possible rather than the minimum payment.

If you have $20,000 in available credit and you have a $10,000 balance, your sitting at 50% of the utilization ratio which is not doing well for your credit scores. Just because you have a credit limit of $20,000, does not mean you want to push the balances out as far as you can to that limit. If you can, pay down the card as much as possible, rather than minimum payments on it. Once interest starts to kick in, you will want to start working that payment down quickly.

In Conclusion

If you start to make a change in these three areas of practice, you will start to notice a shift in your scores. Being smarter about your debt and understanding how FICO is working for, or against you will help you as you combat the credit world. Do you have questions about your credit report? If you would like to speak with one of our attorneys or credit advisors  and complete a free consultation please give us a call at 1-800-994-3070 we would be happy to help.

A Note From The Author: The opinions you read here come from our editorial team. Our content is accurate to the best of our knowledge when we initially post it.

Article by Breana Washington


Check out Credit Law Center’s info-graphic on 4 myths of collections reporting on credit reports.
credit collection myths infographic

credit collection myths infographic


Student Loans And Credit Scores│Available Resources For Consumers

Student Loans and Credit Scores

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 can also have a negative impact too. We will discuss some of the positive ways that your loan can impact your credit, as well as a few ways it can do severe damage if you are not careful.

The Positives

1. Payment History

A student loan, when paid correctly, can be a great trade-line for your credit report. If you make the minimum payments, this shows great repayment on your part that you can reliable and make on time payments. This part of the credit report makes 35% of the FICO grading scale. The difference with a student loan as opposed to your other monthly bills such as your car insurance is that they do not report monthly (only when you miss the payment or fall into collection) whereas your loan will report positively when you have positive payments. This is great for your credit!

For some consumers, building credit is hard to do if you do not have an auto loan or any credit cards, but your student loan can help start to establish that payment history.

2. Building A Credit Mix

For a while, there was a myth out that having “diverse” accounts helped your scores and provided for a healthy mix of credit. Only about 20% of your FICO score is made up of new credit and types of credit used. Typically, having two revolving accounts and two loans (home, auto,or personal) are sufficient enough in trying to build on your scores. Your student loan will also help you start to fill out a portion of that percentage of your credit mix while you continue to make positive payments.


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The Negatives


1. Late Payments on Loans

A good way to completely tank your credit scores quick, fast and in a hurry is to get a late payment. As much as on time payments can help your credit score, they can also harm them, sometimes up to 100 points.

These bad or derogatory remarks can stay on your credit report for up to seven years. If continue to miss your payments and they continue to roll over, your scores will just keep dropping and dropping. The other piece to this puzzle that is not good, is how long it can take for you to rebuild once you have fallen behind. Be aware of what is happening with your bills and other finances and communicate with your institution if you start to fall behind.

2. Defaulting 

If your accounts are sent to collections, this can also really impact your credit scores. Often times, creditors will not lend you any money unless you “correct” it and make it right with the lender of the money. If you go and apply for a home loan and they see collection status, it can be extremely hard for them to justify lending to you with a lot of derogatory marks on the report.

You may hope to open credit cards and start to establish credit but the creditor denies you due to the defaults on your credit report. All in all, if you are seeing collections/charge offs or have been denied financing, you may want to reach out to a credit repair company today.

What Resources Are There?

Having student loans and pursuing a degree is important in this day and age. We see so many student loans every day on credit reports that are doing great things for people and their credit report. Make sure you stay up to date on the payments and work as well on establishing credit.

For more information on student loans and second chance checking, please visit this site. You will find a lot of programs to help you out in regards to student loans if you have not been able to find any resources yet that work.


A Note From The Author: The opinions you read here come from our editorial team. Our content is accurate to the best of our knowledge when we initially post it.

Article by Breana Washington

Do you have questions about your credit report? If you would like to speak with one of our attorneys or credit advisors  and complete a free consultation please give us a call at 1-800-994-3070 we would be happy to help.

If you are hoping to dispute and work on your credit report on your own, here is a link that provides you with a few ideas on how to go about DIY Credit Repair.


Check out Credit Law Center’s info-graphic on 4 myths of collections reporting on credit reports.
credit collection myths infographic

credit collection myths infographic