5 Simple Ways To Reduce Debt Payments
How You Can Reduce Your Monthly Debt Payments An Advanced Strategy In Debt Reduction: These 5 simple steps to reduce debt are designed for those who are truly struggling with there unsecured debt. There are basic debt reduction steps you can take that are outlined here. The methods listed below are more of a last Hoorah! before a complete debt settlement or bankruptcy decision is made. Please feel free to contact us if you’d like a free debt diagnosis to find out where you might stand and what your next move should be. Reducing...
read moreDebt Settlement Information
Debt Settlement Programs That Work: Why Trusted Debt Settlement Programs Can Be Exactly What You Need In Your Life! Debt Settlement, also known as Debt Consolidation, is the process of paying less than is owed on credit cards and other unsecured debts, by negotiating with your creditors. Secured debts such as student loans, auto loans, and home mortgages unfortunately do not qualify for such programs. You will need to be in default on your current loans to utilize any debt settlement program and be able to gain the leverage needed to negotiate...
read moreHow To Qualify For A Short Sale
What is a Short Sale? A short sale can potentially occur when a homeowner finds themselves in a situation of being upside down in their mortgage. What this means is, the current market value of the property is much less than the present mortgage value on the home. The Lender then agrees to accept less than the mortgage amount by the current homeowner from the sale of the property. How Do I know if I Qualify for a Short Sale? Qualifying for a short sale today is no easy task unfortunately. There are many variables going into the short...
read more5 Easy Yet Effective Ways To Improve Your Credit Score
A Proactive Approach Never Hurt Anyone: Improving Your Credit Score One Step At A Time A damaged credit score can effect a number of things in your everyday life. Aside from the emotional strain and stress that damaged credit provides, a poor credit score can affect anything from applying for loans, to potential job opportunities. Credit restoration takes more than just time, it requires effort on your part as well. It’s easy, we’ll show you how. 1. Order Your Credit Reports You can’t begin the process of credit...
read moreMy Identity Has Been Stolen! Now What?
You Don’t Have to Feel Helpless: Get on the Road to Recovery Now 1 in every 10 U.S. Consumers have been victimized by identity thieves (Javelin Strategy and Research, 2009). If you’ve been or currently are a victim of identity theft, you’re not alone. Understanding the steps needed to take to get your life back are vital. Below we’ll cover the most important steps to recovery. Steps If Your Identity Is Stolen: Contact the fraud department at all 3 credit Bureaus Contact your creditors Contact the FTC (Federal...
read moreOnly YOU Can Prevent Identity Theft!
Fool Me Once, Shame on Me, Fool Me Twice…… How Identity Theft occurs and the consequence of this crime have been covered. At this point you should have a better understanding of what is done with your social security number, banking info, and other personal information once it has been stolen. Below we’ll cover basic, yet important steps to take to ensure your personal info stays……..personal. Steps you can take to prevent Identity Theft: Destroy private records and statements. Secure your mail. Safeguard your...
read moreHow Identity Theft Happens
The Many Ways Thieves Can Steal Your Identity Identity theft can happen hundreds of different ways. With today’s fast paced and ever changing technological advances, it’s becoming increasingly difficult to keep personal information safe and secure. Identity thieves work diligently to obtain or access your social security number, credit card, and banking information. And with new scams coming out every day, one must stay ahead of the curve when it comes to protecting your identity. Identity theft is the fastest growing crime in the U.S....
read moreWhat Are You Doing With My Identity!
Identity Theft & Fraud: What Thieves do With Your Personal Info Do you ever wonder what thieves do with a stolen identity? There are some obvious ones, but here are some things that you may not think of. Everything falls under the umbrella of fraud so we will break out what criminals are doing in 5 various areas of fraud. Credit Card Fraud: Thieves may open a new card in your name and rack up big bills, negatively affecting your credit. If they have obtained a stolen card or card number, they may change the billing address and...
read moreIdentity Theft Statistics
Identity theft is becoming one of the fastest growing crimes in the United States. Arizona is the highest ranked state in identity theft at 142 victims per 100,000 people. Arizona, California, Texas and Florida are always at the top due to having a large amount of people entering the country illegally needing new identities. With advent of advancing mobile technology and the internet, both fraud and identityf theft have been on a steady rise for the last several decades. In the year 2000 Fraud and ID theft crimes were 230,628 in the...
read moreWhat Makes up a FICO Credit Score?
On our Credit Restoration page we outlined the categories used to derive a credit score. To review, those categories are the following… Payment History – 35% Amount Owed – 30% History of Credit – 15% Inquiries – 10% Account Diversity – 10% Today we are going to take a deeper look inside each of these categories including a few credit building tips that will show you how to improve your credit score for FREE! As always, if you are looking for assistance on how to repair your credit...
read moreDebt Relief
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