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Affected by the Equifax Hack? Here Is What to Do

Equifax, one of the 3 major credit bureaus, announced on Friday, September 8th, 2017 that they were the target of a data breach back in June that will likely affect up to 143 million US customers. Since the US population in 2017 is 324

Remove LJ Ross Collections From Your Credit Report

LJ Ross Associates is a debt collection agency based out of Michigan. They specialize in debt collection for medical, utilities, government, education, and financial industries. Like most debt collection agencies, they are known for rude and unprofessional behavior. If you recently discovered LJ Ross

What Does Winning the Lottery Mean for Your Credit Score?

With the recent Powerball payout of more than $750M to a woman in Massachusetts, I thought it would be interesting to dive into how winning the lottery could potentially affect your credit score. While not every Powerball winner brings in the crazy amount of

5 Worst Credit Mistakes First Time Home Buyers Make

You’ve probably read a lot about dos and don’t when it comes to purchasing a house for the first time, but what I want to discuss in this article is related to credit. Specifically some of the credit mistakes I see people make when

LVNV Funding – Remove Them From Your Credit Report

LVNV Funding is a collection agency notorious for suing people whose debts they have purchased. If you have recently discovered a LVNV Funding collection on your credit report, or have been contacted by one of their debt collectors, keep reading to learn how to

Easily Remove Portfolio Recovery From Your Credit Report

If you’re reading this article, you may have recently been contacted by a company called Portfolio Recovery Associates. Portfolio Recovery is a collection agency that specializes in purchasing old debts from companies who have been unable to collect the debt themselves. How Portfolio Recovery

5 Guidelines to Follow If You’re Contacted by a Debt Collector

An unexpected call or letter from a debt collector can be quite unsettling. This is especially true when a debt collector starts to get aggressive and threatening, which happens often. Before we get into specifics about dealing with debt collectors, the most important thing

National Debt Relief Review

Many of my readers have asked me about debt settlement companies and if there are any I would recommend. While I’ve touched on the subject in previous posts, I’ve never properly reviewed a reputable debt settlement company such as National Debt Relief. How National

4 Ways to Rent with Bad Credit

When it comes to housing, having bad credit can be an issue. Not only does having bad credit make it more difficult to get a mortgage to buy a house, it can also cause problems when it comes to renting. While it can be

Remove Alliance One From Your Credit Report the Easy Way

Alliance One is known as one of the largest and most aggressive collection agencies. If you’ve recently had to deal with them, you may be wondering if it’s possible remove Alliance One from your credit report. Luckily, there are ways to deal with Alliance