There are many different structured settlement companies out there including  J.G. Wentworth, Stone Street, America’s Note Buyer, or Novation Capital.  These companies are out there to help companies and individuals who have received a large amount of money from a lawsuit or court settlement by purchasing the entire settlement at a discounted price.  To better [...]

If you are in a position to file for credit card bankruptcy then take comfort in that fact that you are not alone.  A lot has happened in the conomy that has forced many people to turn to this option.   We live in an age where we are allowed to buy things we can’t actually afford [...]

Bankruptcy can be a scary and formidable event in our lives.  First of all, we probably all hope we never have to go through with it so we try not to pay any attention to it.  However, things happen in our lives and sometimes it is unavoidable.  When that happens, many times we are unprepared to [...]

Filing for bankruptcy can be a humbling experience, but that doesn’t mean it has to be a difficult one.  There are a few hoops that are you are required to jump through, but they will help make it much easier in the long run.  The procedures for filing bankruptcy are determined by local bankruptcy court [...]

Families are the basic unit of society.  While families are still considered very strong unions, they are still prone to certain issues especially financial ones.  Because of this, there are still many cases in which homes are in need of family credit counseling.  Don’t let financial situations and problems ruin the happiness and peace in [...]

Everyone at one time or another has to ask themselves how to improve your credit score.  All of us should be working to improve our credit.  It is something that affects our financial future and stability.  Anyone that has had bad credit will tell you how frustrating it can be to not get a loan [...]

Creating a good budget can be a hard thing to do.   Following a budget we have created can be even harder.  We have so many needs and wants that it makes it hard to discipline ourselves and save for the things that are the most important in life.  Many times a lack of a budget [...]

 Ever since 2005, everyone in the United States has the right to obtain an annual free credit report from each of the three credit bureaus, Equifax, Trans Union, and Experian.  This is great because people need to know what their credit scores are if they ever wish to improve them.  However, even with that knowledge [...]

Credit scores are determined by Experian, Trans Union, and Equifax, and each have their own system for computing them.  The average credit score range is between 350 and 850, and the 600 mark is the so called “average” credit score.   These scores are created by the three credit bureaus from information that they obtain from [...]

Creditors determine whether or not to give you a credit card or a loan depending on how your credit is scored.   Creditors will look at whether or not you own your own home, car, how long you have had a job etc.  They also look at the amount of your income, how many payments you [...]

It can be overwhelming  and confusing to try and completely understand your credit score rating scale.  In a credit scale, you have a lot of different categories of numbers that all mean something very different.  However, the better you understand your credit score scale and the factors that go into it, the easier it will [...]

Credit repair is the simple act of doing what is necessary to get an improved credit rating and credit score, necessary for getting a car loan, home mortgage and other important financial loans.  Due to these harsh economic times, many people are scrambling to maintain a good credit record in the wake of financial disaster.  [...]

Many people ask us how to know if they should consider credit repair or consult credit repair attorneys.  Sometimes derogatory credit can be fixed by some simple do it yourself tactics, but in some cases you may need a little more help to get that credit score back up to where it needs to be.  [...]

Is your credit being bad or naughty?  Before you consult a credit repair service or debt consolidation company, try and kick it back in to gear all by yourself.  There are many techniques that you can do by yourself to help get derogatory items removed off of your credit and correct erroneous information.  Where do [...]

When i worked in the credit repair business i was asked this question all the time.  People want to know how fast their score will raise once they have either written their own letters, consulted credit repair services, or have hired credit repair attorneys.  The answer is that it is very complex, but there is [...]

Did you know that there are some tricks of the trade that can raise your score up to 60 points in 30 days with one phone call?  Thats right, this is no gimmick, there really is a technique out there that can do this and i have personally used this technique with hundreds of clients.
When [...]