NCO Financial – Collection Agency

NCO Financial is a third party collection agency. In other words, they’ve purchased the rights to your debt, from the original lender, creditor, or another debt collector. And it’s possible, the lender, and NCO are working together to collect payment from you. You’re likely getting phone calls, threatening letters, and have bad credit as a […]

Experian Dispute – The Process

If you’ve discovered incorrect, questionable, or inaccurate information on your Experian credit report, you’re entitled to dispute, and challenge these items. The Fair Credit Reporting Act passed way back in 19070, gives you the right to dispute any questionable listings on your credit report. The very first step is to get a copy of your […]

How To Clean Up Credit Report

One of the most effective ways to improve your credit score is to clean up your credit report of any derogatory, negative, and damaging bad credit items. This negative information is what’s bringing down your credit score. According to FICO your payment history is roughly 35% of your overall credit score, and by removing the […]

Midland Funding LLC – Get The Facts

Midland Funding LLC is a collection agency. They’ve purchased your debt account from the original lender or creditor, and are now pursuing repayment. There are some important facts you need to be aware of, before making any payments. The plain truth is when dealing with debt collectors, you’re navigating shark filled waters. The first key […]

Bad Credit Repair – The Plain Truth

It’s true credit repair companies don’t have any magic buttons or special powers to fix your credit. With that said, many consumers don’t have to live with the high-cost, and embarrassment of having a less-than-perfect credit score, for 7 to 10 long years. The plain truth is, repairing bad credit does take time and effort. […]

How To Get Better Credit

There are two primary ways of getting a better credit score. This includes building good credit marks on your credit reports, along with removing bad credit listings. First, when it comes to building credit you can do this by paying your current monthly bills, on time. The objective is to create a trail of positive […]

Credit Lawyer – The Inside Scoop

It can be overwhelming searching for an effective credit lawyer to help fix your credit. In this article, we’re going over: what you should look for, what a credit attorney can actually do for you, the average cost and time, and much more. The benefits The biggest benefit professional credit repair agencies will provide you, […]

How To Improve Your Credit Score

Having bad credit, frankly it sucks! You feel embarrassed, every time your credit is checked. And you know you are throwing real money out the window on sky high interest rates. On the rare occasions, when you’re approved for a new line of credit. If your sick of living this way, good. Below, we have […]

How To Check Your Credit Report

You must be vigilant about checking your credit report to make sure that you don’t get slapped with errors, mistakes, and negative incorrect listings. In one study, it was found that 79% of all credit reports contain an error. If you have good credit, it is key to keep these mistakes from showing up on […]

Prepaid Debit Cards

Prepaid debit cards are also called reloadable credit cards. You can only spend money that is in your account, and will not be able to go into debt. Many banking institutions provide these, along with major credit card companies, and many celebrities endorse these offers. Bank Prepaid Cards If you get a prepaid Visa or […]