Do I have to be delinquent on my accounts to file for Bankruptcy?
There is a misconception that you have to be behind on your bills in order to file for bankruptcy. You do not. One might ask, “Why would a person declare bankruptcy if they are...
Category: Credit Scores & Credit Bureaus
The 6 most important lessons I learned last year
As I prepared to do my first radio show for the year (In case you’re curious I’ve put the details at the bottom of this post), I was reviewing the most important points that...
Protecting your Identity (in light of the Equifax breach)
I am sharing this post from Borrowell. Borrowell is similar to Credit Karma, in that it provides you with a free copy of your credit score. Both are great alternatives to paying for your...
Negotiating with Creditors / Collectors
Collection calls can be unnerving and intimidating. It’s easy to feel like you have no power in the call. And some (far too many it seems) collection agents use bullying tactics to collect which...
Are you controlling credit or is it controlling you?
Your worthiness is not dependent on what other people think of you. Remember that when you enter the credit world. We are all so hung up on our “credit rating”, which essentially is a...
So, you have a great credit rating do ya?
just because your credit score is ok, and lenders say you “qualify” to borrow more money, doesn’t make it so, Look deeper.
But it’s NOT my debt!
A collection company calls. About a debt that is not yours. Or a debt that you paid off years ago. You explain the situation but they continue to call. What do you do next?
Where do I start? (A simple guide to re-creating your lost credit score)
So, you’ve all but destroyed your credit score? What to do next! The steps are actually quite simple. Follow these, have a bit of patience and viola, you will be on the road to financial recovery in no time.
Navigating the Fee Infested Waters of Debt Counselling
There is a disturbing trend happening in the Credit Counselling Industry. Companies are popping up online with toll free numbers, promises of reduced interest rates and manageable monthly payments.
What you need to know about your Credit Report’s’
I always preface a discussion around the credit reporting system by stating how frstrating the system can be. In some ways it is very black and white, yet in others very grey. It is worth knowing the basics about what is on your report, how to check it and how to resolve issues.
