Sawin & Shea

AUGUST 9, 2022

Bankruptcy can be an overwhelming and challenging process. Understandably, this can make dealing with a bankruptcy seem impossible. However, as overwhelming as it all may seem, bankruptcy is often the best choice for many people, especially those who are struggling with crushing debt. How Does Reaffirmation of Debt Work?

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Chapter 7 bankruptcy Bankruptcy Chapter 13 bankruptcy Collateral 98

Better Credit Blog

APRIL 1, 2022

If disputing the negative entry doesn’t work because you couldn’t find errors, or because the credit bureaus fixed them, your next step should be asking for a goodwill adjustment. Write a letter to the original creditor or collection agency and ask them to remove the negative entry from your credit history as an act of goodwill.

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Bankruptcy Collection Agencies Collections Agency Lender 114

Better Credit Blog

JANUARY 29, 2021

Any time you apply for new credit, like a card, loan, or line of credit, the lender might run a hard credit check. Hard inquires give creditors an all-access pass to your credit reports. Hard inquiries get added as a new entry on your credit report, remaining there for two years. Repossession.

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Titan Consulting

APRIL 26, 2020

Deferring your auto payments may put you at risk for repossession if your lender requires you to catchup and make all deferred payments at the end of the deferral period. Amid economic uncertainty, and lockdowns extending through April and possibly into May, it is tempting to call creditors requesting payment extensions.

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Student loans Student Loans Lender Loans 52

Better Credit Blog

JANUARY 6, 2021

Soft inquiries have no effect on your credit. Whenever you apply for a credit card, the creditor might only obtain one of your reports, or they could opt for all three. Dealing with lenders and credit bureau representatives regarding fraudulent inquiries can be a hassle. Repossessions. Call in the Experts.

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Lender Loans Repossession Foreclosure 52

Better Credit Blog

DECEMBER 9, 2020

These credit pulls let lenders, landlords, and employers take an in-depth look at your credit usage, granting them access to your full credit report. When you apply for a card, the creditor could request your Equifax, Experian, or TransUnion report, or a combination of the three. Repossession. Charge offs.

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Lender Retail Repossession Foreclosure 52

Better Credit Blog

JANUARY 5, 2021

This kind of inquiry has virtually no effect on your credit, leaving your score untouched and staying off your report. They grant creditors access to your full credit reports, and they’re required any time you apply for funding. When you file a dispute with a credit bureau, they have 30 days to investigate your claim.

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Retail Loans Repossession Lender 52