Are you getting nonstop phone calls from Atlantic Credit & Finance, Inc? How about letters demanding payment? Or maybe you’ve discovered a collection mark on your credit reports? If so, you’re in the right place. Atlantic Credit & Finance is a third-party debt collector. Established in 1996 and based out of Roanoke, Virginia. They’re a […]
How Long Do Late Payments Stay On Your Credit Report?
The short answer, seven years. The Fair Credit Reporting Act (FCRA) is federal legislation that governs how long bad credit can stay on your credit report typically seven to 10 years. This time window starts from the date of delinquency or when the initial payment was missed. In an Equifax article it says: “The late […]
National Service Bureau – Collection Agency
Are you getting a flood of phone calls from National Service Bureau? How about letters demanding payment? Or maybe you’ve discovered a collection on your credit report? If so, you’re in the right place. National Service Bureau is a large, independent, third-party debt collection agency. They’re based in Seattle, Washington, and were founded in 1986. […]
What Is a Charge Off?
A charge off will typically occur after six months or 180 days of delinquency or missed payments. The lender will charge off the account, in essence giving up collecting payment on the debt. The account will be closed, and the lender will report to the credit bureaus the account was charged off. This is primarily […]
Hillcrest Davidson and Associates – 4 Consumer Steps
Are you getting a continuous stream of phone calls from Hillcrest Davidson and Associates? Receiving letters demanding payment? Or maybe you’ve discovered a collection on your credit report? If so, you’re in the right place. Hillcrest Davidson and Associates is a third-party debt collector. They’re headquartered in Richardson, Texas, and were originally founded in 2008. […]
TransUnion Credit Report – How To Grab Your Free Copy
The Fair and Accurate Credit Transactions Act (FACT Act) of 2003 an amendment to the Fair Credit Reporting Act (FCRA) is federal legislation that enables you to get a free copy of all three of your credit reports every 12 months. For we’ve all heard how important it is to keep an eye on our […]
Capital Recovery Systems – Collection Agency
Are you getting constant phone calls from Capital Recovery Systems? How about letters demanding payment? Or maybe you’ve discovered a collection on your credit reports? If so, you’re in the right place. Capital Recovery Systems is a third-party debt collector. They’re located in Columbus, Ohio, and were originally founded in 1997. They work exclusively to […]
How To Settle With a Collection Agency – 7 Consumer Tips
Tired of getting the avalanche of phone calls from a collection agency? Sick of the demand letters from debt collectors? Frustrated with having less than perfect credit? If so, you’re in the right place. Our purpose is to share how to settle with a collection agency and exercise your consumer rights. This will ensure you’re […]
Torres Credit Services – Debt Collection Agency
Are you receiving a barrage of phone calls from Torres Credit Services? How about letters demanding payment? Or maybe you’ve discovered a collection on your credit reports? If so, you’re in the right place. Torres Credit Services is a third-party debt collection agency located in Carlisle, Pennsylvania. Originally founded in 2003, they service a variety […]
How To Increase Your Credit Score – 14 Tips
Do you have a less-than-perfect credit score? Sick of paying the high-cost? Tired of being seen as a second class citizen? If so, you’re in the right place. Our purpose is to share 14 tips to increase your credit score. Along with your rights as a consumer ensured by federal laws and how to exercise […]
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