Bankruptcy: What to expect?

file for bankruptcy

The exact details on bankruptcy proceedings may vary from one State to another. For those who intend to file for bankruptcy, they should be aware of the bankruptcy laws amended in  October 17,2005 which no longer allowed you to file for bankruptcy on your own.  It laid out a series of procedures you must go thru first in order to ...

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Do You Qualify For A Debt Consolidation Loan?

credit repair companies

Debt consolidation may sometimes be necessary when debt problems get too much to handle. With the help of a consolidation loan, you can pay off all your existing debts at once. Such a move is beneficial in many ways. How? First, it instantly eliminates the stress and trouble of dealing with different creditors all the time. Because creditors are paid ...

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File Segregation – A bad idea

file segregation

File Segregation Is Fraud This old trick seems to be gaining popularity again. File segregation is the practice of creating a new credit file using a fake, stolen or some other form of tax identification number instead of your own social security number. Many people feel this is the only way they can enjoy good credit again, but one thing ...

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Credit Repair Companies…Are they for real???

credit repair companies

Thinking of hiring a credit repair company? Well the answer is yes…and no. Companies that claim they will erase all your past credit mistakes are generally not being 100% honest. You can’t erase your past, you can just make better choices in the future. All a credit repair company can do for you is dispute items on your credit report…and ...

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How to Improve Your Personal Credit Score

improve your personal credit score

Quick Tips To Improve Your Personal Credit Score With interest rates on the rise.  Everyone is looking to refinance as quickly as possible.  Its imperative that you improve your personal credit score before you apply for your refinance.  Even if you just want to  apply for a personal loan or a new credit card.  Improve your chances not just of ...

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