Month: September 2013

Regardless of what you are purchasing, when applying for a mortgage loan, buying a car or opening up a credit card, lenders want to know what type of risk they are taking before handing over their money.   Lenders use your credit score as a gage for whether or not to lend you money, how much […]

Most consumers file for bankruptcy because the amount of debt they have amassed is more than they are capable of paying off.  Issues such as a loss of employment, health problems, or work injuries can cause debts to pile up.  Accruing debt causes financial stress, especially when being hounded by creditors and debt collectors wanting […]

Seeing as I have focused my recent blogs on the topic of the Fair Credit Reporting Act (“FCRA”) and compliance with the statute when conducting an employment background check, I think it is a good time to provide you with a summary of the requirements of employers when screening applicants.  Below is my list of […]

Consumers should be aware that you are supposed to review your credit report on a regular basis to ensure the information reporting on them is accurate.  Most consumers however are not aware of the fact that there are more than just the three major credit reporting agencies out there reporting your personal information that can […]

In the wake of repairing the crashing housing market, the next financial crisis seems to be focused on automobile lending.  While several years ago the major automobile corporations were at great risk of closing their doors, the industry giants have made a substantial comeback with the assistance of our government.  The main reason for this […]