How To Repair Bad Credit – The Consumer Road Map

Living with less than perfect credit, sucks. It’s not only expensive, it damages your self-worth and your self-esteem every time your credit is checked. It’s wise to take action to repair bad credit because you don’t just have to live with it, for seven long years. Now there’s a lot of contradictory information out there […]

Focus Receivables Management – 5 Consumer Tips

Focus Receivables Management is a third party debt collector, headquartered in Marietta, Georgia. They’ve either purchased the collection rights to your account, or are working on a consignment contract to collect payment for your alleged debt. They’ll service a variety of types of consumer accounts including Time Warner Cable, Comcast, charged off debt, and across […]

Experian Free Credit Report – How To Grab Your Free Copy

Federal legislation entitles you to a free copy of your credit report with each of the three major credit bureaus (Experian, Equifax, and TransUnion) every 12 months. The Fair and Accurate Credit Transactions Act (FACT Act) an amendment to the Fair Credit Reporting Act (FCRA) is the law that provides you with the right to […]

GC Services Debt Collection Agency – Fighting GC Collections

GC Services is one of the biggest collection agencies based out of Houston, Texas. They’ll service a multitude of types of consumer debt accounts including: student loans, telecommunications, utilities, retail, cable, satellite, and many more types. They’re both a first and third party debt collector with a specialization in charged off or late stage collections. […]

How Long Do Collections Stay On Credit Report

One of the most common questions is how long do collections stay on your credit report and the answer isn’t black or white. It’s only suppose to stay on your credit report for seven years, but that’s virtually never the reality. Debt collections often stay on your credit report for much longer and this is […]

CBCS Collections – How To Protect Your Consumer Rights

CBCS is an aggressive collection agency headquartered in Columbus, Ohio. They’ll service a variety of types of debt accounts and specialize in collection upon healthcare, utilities, government, and financial services accounts. It’s mission critical to understand your rights as a consumer and even more important to grasp exactly how to exercise your rights. Because the […]

Medical Bills On Credit Report – Consumer Help To Fight Back

If you’ve discovered medical bills on your credit report it’s important to know, you’re not alone. According to the Consumer Financial Protection Bureau (CFPB) roughly one in every five people have medical collections on their credit report, or around 43 million Americans. It’s surprising to learn that over 50% of these folks suffering have insurance. […]

Amcol Systems – 4 Tips To Protect Your Consumer Rights

Amcol Systems is a large and aggressive collection agency, headquartered in Columbia, South Carolina. They’ll collect and provide outsourcing solutions exclusively for hospitals, health systems, and physician care, according to their website. In other words, they specialize in medical debt collection. Amcol Systems was founded in 1976 and they claim to recover millions of dollars […]

How Long Does Bankruptcy Stay On Credit Report

It’s normal for you to believe that filing bankruptcy will cause you to be permanently branded with a big red B on your forehead. The truth is that a chapter 13 bankruptcy will stay on your credit report for seven years from the date you file. This is when you’re repaying a portion of the […]