Month: March 2016

Believe it or not, a visit to the doctor these days may result in more than a healthcare check.  Healthcare providers today are checking more than just your well being, they also may be checking your credit.  While the healthcare industry may claim they are accessing consumer credit files to determine whether or not a […]

When disputing items on our credit reports, sometimes the decision comes out unfavorably, and the credit bureaus and the creditors have determined that information you wanted removed will remain on the credit report.  Perhaps the information is somewhat accurate, but deserves an explanation.  The Fair Credit Reporting Act (“FCRA”) allows the right to place a […]

When the letters and phone calls from collection agencies start coming in, avoidance may seem like the best option, but ignoring the communication will only work for a little while.  Before you know it, you may start receiving court documents and eventually a notice of garnishment.  Having a judgment against you, allowing a creditor or […]

For most consumers, medical debt is one of the strongest sources of stress and is largely responsible for consumer bankruptcy filings in the United States.  Medical debt can wipe out savings for even the most responsible consumer.  Medical emergencies can appear out of nowhere and even one who saves and plans for their future may […]

Understanding the credit reporting “lingo” is not always easy to understand and the terms and dates involved in reporting can be a little confusing.  While each credit reporting agency has its own style of reporting, every single credit report has one common obligation, to report your information accurately. When reviewing your report, find the section […]