A collection appearing on your credit report can be very devastating to your credit score and your financial stress. A collection agency will often report a collection account to one, two, or all three credit bureaus, depending on the agency. Paying off these collection accounts will not necessarily remove them from your credit report, but […]
Dear Fix Your Credit Consulting community, today I wanted to tell you all about a very important law that grants you protections in regards to credit cards and credit card billing. In fact you might have benefited from this already, without ever realizing it. It is called the Truth In Lending Act (TILA). Originally enacted[…..]
Hello Fix Your Credit Consulting community, today we are going to talk about how to push your credit card limit beyond what you may have thought possible! Something that we have noticed among some of our clientele is that, for some reason, there are some people who prefer to open multiple credit cards instead of[…..]
Hello Fix Your Credit Consulting community! Today we are going to explore one of the biggest benefits that you can get just from using a credit card: rewards and cashback for shopping! In the world of credit repair we sometimes encounter people who are reluctant to sign up for credit cards, more often than not[…..]
Dear Fix Your Credit Consulting community, During this time of uncertainty the one thing you do not want to be uncertain about is your credit. You will want to be sure to take steps to make it as easy as possible to monitor how much you are using your credit and how it is affecting[…..]
Today Fix Your Credit Consulting is going to take a look at interest rates on credit cards and what YOU can do about them. For those that do not know, an interest rate is how much of your total debt will be added on to what you owe during every pay period (usually this means[…..]
Remove late payments by paying your bill on time! While those in the Fix Your Credit Consulting community probably already know this, it bears repeating: Pay. Your. Bills. On. Time. If you have a credit card, you already know that being late on a payment can cause you to incur late fees that can grow[…..]
Yes, you can change your billing date and it’s easy! Today Fix Your Credit Consulting is going to teach you how to change your billing date. A lot of people get stressed out when their bills are due, especially when they all come around the same time of the month. It is a situation that[…..]
Debt usually comes in two forms: Installment and Revolving. An installment loan is where you borrow money in a single lump sum and have to pay it all off by a set date. Examples of installment loans include car loans, mortgages, and student loans. In contrast, revolving debt is when you are given a specific[…..]