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How ID Theft Prevention “Crushed” A Man’s Credit Score

Tuesday, Dec 11, 18

We often hear about how Id Theft Prevention tools protect consumers’ credit report and scores. I recently spoke to a consumer who experienced the exact opposite…

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How Does A Defaulted Student Loan Payment Impact Your Credit Score?

Tuesday, Dec 11, 18

I recently received this question from a recent college graduate. With over 20 million consumers owing more than a combined Trillion dollars ($1,000,000,000,000 if my math is correct) this question comes up a good bit.
Any missed student loan payment falls into one of two credit scoring categories. If the defaulted payment is 60 days late or less, it is considered a minor credit delinquency…

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How Can I Get A Car Loan With Bad Credit?

Tuesday, Dec 11, 18

I always like to answer questions that I get asked often. Financing and automobile with bad credit can be very difficult. Beware; not understanding how the system works can cause you big problems…

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How A $3 Bank Fee Destroyed A Good Credit Score!

Tuesday, Dec 11, 18

Over the past number of years, it is common knowledge to most consumers that banks are not their friends and are out to nickel and dime them to increase their bottom lines. A popular bank trend lately is to charge a nominal monthly fee to consumers…

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Hip Hop Superstar Good Intentions Turned Sour Leaving Some Fans In Despair

Tuesday, Dec 11, 18

In 2003, Hip Hop legend Russell Simmons founded RushCard to help give poor Americans alternative ways to access their money without paying large fees to the check cashing and money order firms. The RushCard is a prepaid card used similar to a debit card…

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Get Ready For Some Huge Credit Score Changes This Fall

Tuesday, Dec 11, 18

FICO, the most common credit score used in lending recently announced a significant change. Later this year they are releasing a new version of their software. The new version will be named FICO 9. So what does this mean to you? For many people, a great deal…

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Equifax Data Breach

Tuesday, Dec 11, 18

Chances are you were one of the 143 million consumers that wereaffected bythe Equifax data security breach. You can verify if your data was breached by clicking this Equifax verification…

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Does The U.S. Government Aide Identity Thieves?

Tuesday, Dec 11, 18

A consumer’s social security number is the number one target of Identity Thieves. Once a social security number is compromised, you can’t just order a new one…

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Does My Mortgage Lender Get My Credit From Annual Credit Report

Tuesday, Dec 11, 18

A consumer who was recently denied a mortgage told me she was denied due to information her lender received from annualcreditreport.com. I explained to her she must have misunderstood her lender…

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Do Debt Collectors Delete Collections Once They Are Paid?

Tuesday, Dec 11, 18

I decided to write about this question since I hear it fairly often. To be more specific, most consumers say they’re told by debt collectors they will delete the collection once it’s paid…

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