Debtor vs. Creditor- Who They Are & What The Difference Is

October 4th, 2018

What is the difference between creditors and debtors? If you’ve ever had to take out a loan or a similar form of credit, you’ve likely heard the words “creditor” and “debtor” used to explain the account. But sometimes these terms and their meanings can be confusing. Being informed of what creditors and debtors are and […]

What to Know About Alternative Credit Data, Reporting and Scoring

September 13th, 2018

When someone applies for a new credit card or loan for a new home or car, the lender will review the applicant’s credit history to determine their approval or denial of the loan. But what happens if this is the applicant’s first loan? What if the consumer doesn’t have much credit history yet? What Is […]

When To Hire An Attorney – Know Your Consumer Rights

May 3rd, 2018

A summarized guide to consumer laws and what to do if your rights are violated. If any of your rights listed below have been violated, it’s time to contact an attorney and start fighting for your life back. Fair Credit Reporting Act The Fair Credit Reporting Act (FCRA) protects the accuracy and privacy of your […]

Common Mistakes to Avoid When Disputing

February 8th, 2018

Under the Fair Credit Reporting Act, you have the right to dispute errors on your credit report and credit reporting agencies are required to investigate the dispute. It’s important to know what to do, and what not to do, when disputing in order for you to get your credit report fixed. These are the top […]