Debt Consolidation
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Successful Debt Consolidation Includes
Getting Control of Spending
Did you know?
Did you know checking your credit report is important?
Victims of identify fraud spend on average around 175
hours and up to $800 just to clear them name after someone
has used their identity. The longer someone is using
your identity the more they can rack up in bad credit
on your report. Purchasing all kinds of items using
your identity and then of course never paying a dime
is there one reason to steal a person’s identity.
Did you know many people are finding discrepancies
on their credit report?
Yes, many times you will find things on your credit
that do not belong to you, such as late payment fees,
rental mistakes or lies, missed payments, collection
actions, eviction, and repossessions. You should go
over each item on your report with a credit counselor
to ensure that each item on the report is yours and
that you are liable for these accounts. Divorces often
cause bad credit to both individuals, even if you have
a court document that states your spouse is liable.
This information has to be given to the credit bureaus
to clear your name and your credit. We have professionals
that have the proper knowledge to handle all of this
for you.
Did you know closed accounts could take up to 60 days
to be removed from your credit report?
In the case of public record such as collections or
court records, they will stay on your credit report
for seven years and bankruptcies for ten years.
Did you know that a credit score ranges from 350 to
850? The higher the score the better you look on paper.
The score is used by lending companies to see how you
pay your debts. The lower scores mean you do not have
enough good credit to be deemed a good risk. The higher
scores show that you pay your payments on time and have
not defaulted on a loan in the past few years.
Did you know there is an alternative to filing bankruptcy?
Consolidation of your debts is always a better way than
filing bankruptcy. When you consolidate your debts,
you will be paying them off and giving yourself good
credit along the way.
Did you know that you could have a healthy financial
future free from debt with the help of our services?
It only takes commitment on your part to stick with
your budget and let us do the rest.
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