Credit Report vs Credit Score

“What’s the difference between a credit report and a credit score?”   That’s a very common question we hear from our clients, and it’s easy to see why so many people confuse the two, since sometimes creditors use the terms interchageably. A credit report is a detailed list of your debts and payment histories with individual […]

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Credit Reports: Get Them, Monitor Them!

Credit reports and scores are used for the purpose of advising a lender of the risk factors in lending a person money or advancing credit.  It is very important to maintain the accuracy of your credit reports.  Most commonly credit reports are incorrect after a bankruptcy filing. Our office recommends that you check your reports […]

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Why does my attorney need…???

We ask our clients to provide a number of documents as we prepare their cases for filing.  Some of the information is for the court, and some is for our office, so we can evaluate any potential issues that might arise during your case.  For example: Your Pay Stubs:  We need to see your paycheck […]

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November 26, 2014

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Ready to Get Back on Track? We Can Help!

We often meet with clients who have been “off the grid” for a period of time–people who have avoided credit, banking, and even filing taxes because they ended up with overwhelming debt or bad credit at some point in their lives and allowed it to keep them in-hiding from their creditors.  People in this situation […]

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November 23, 2014

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How to Opt Out of Pre-Screened Credit Offers

  Some companies use information on your credit report to generate offers of credit or insurance, sometimes called “pre-screened” or “pre-approved” offers.  Companies set a minimum bar for creditworthiness, then contact the major credit reporting bureaus to get a list of consumers who meet the criteria for their offer.  These pre-screened offers don’t affect your […]

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June 11, 2014

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What’s the Difference Between a Credit Report and a Credit Score?

We often talk to clients who are confused about the difference between their credit reports and their credit scores.  It’s easy to see why a consumer might be confused about these two different information sources, since both are tools used by creditors when deciding whether to grant credit. A credit score is not the same as a […]

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February 28, 2014

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What’s in Your Credit Report, Anyway?

When you have credit accounts, such as credit cards, auto loans, student loans, or mortgages, the creditor gathers identifying information about you.  A creditor will likely want to know things like your social security number, address, and telephone number.  Because the creditor is lending money to you, they may also want information about your employment […]

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February 25, 2014

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Tips and Tricks: How to Get a Free Credit Report Every 3 Months

We talk a lot about how important it is to monitor your credit report using the free reports you can get at www.annualcreditreport.com.  Here’s a great way to make the most of your free reports: Start by requesting a single report from one credit reporting agency.  For this example, let’s say you request an Equifax in January, […]

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February 20, 2013

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Get Your Free Credit Report

It’s a good idea to check your credit report at least once per year.  That’s especially true if you’ve filed a bankruptcy, because creditors often drop the ball in reporting that a debt has been discharged through bankruptcy.  That can cause problems later on for consumers who are trying to put their financial lives back […]

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February 14, 2013

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FTC Study Says 1 in 4 Consumers Have Errors in Credit Reports

In a recent study, the Federal Trade Commission discovered that as many as 1 in 4 consumers have potentially negative errors on their credit reports!  That’s a lot of errors that could be corrected by careful monitoring and disputes with problem creditors.  Errors aren’t just a problem for consumers who have filed bankruptcy, either.  They […]

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February 14, 2013

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