by Sonja Rac | Oct 1, 2021 | Blog
Negotiating with Creditors and Debt Collectors: Keeping Your Cool Many of us can barely make it through ordering a pizza over the phone, let alone negotiate with debt collectors or creditors. But, that day may come, and you best be ready. There may be at least one...
by Sonja Rac | Oct 1, 2021 | Blog
Negotiating With Creditors and Debt Collectors: Tell Your Story Negotiating with creditors and debt collectors on your own is a daunting task. But if you approach the phone call prepared and calm, you may just reduce your debt. Successful negotiation means that you...
by Sonja Rac | Oct 1, 2021 | Blog
Credit 101: What is a Charge-Off? Do you have some outstanding debt? You’re not alone – credit card debt climbed by $17 billion in the second quarter of 2021, with the overall number now sitting at $790 billion. But even though debt is not a rare occurrence, it...
by Sonja Rac | Nov 23, 2020 | Blog
FICO Resilience Index During times of economic uncertainty, people usually have trouble repaying their loans. It doesn’t matter what the reason for the economic stress is – what matters is that most everyone is going to feel it to a certain extent. In 2008, it...
by Sonja Rac | Nov 23, 2020 | Blog
Differences in Credit Reports Seeing three credit reports with three different sets of information is confusing and potentially disheartening. Differences in credit reports are not necessarily mistakes. It may be a simple lack in reporting. However, you shouldn’t...
by Sonja Rac | Nov 23, 2020 | Blog
Student Loans and Your Credit Score With total student loan debt reaching a staggering $1.56 trillion in 2020, one can’t help but wonder how it affects individual credit scores. Like other types of installment loans, student loans have direct ties to the credit score....
