Better Credit Blog

DECEMBER 22, 2021

Having one debt to pay off is stressful enough as it is. But it’s a much bigger headache if you owe debts to multiple places, as your odds of forgetting a payment will increase, and the varying interest rates between the different debts can end up taking a bite out of your wallet. How Debt Consolidation Loans Work.

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Better Credit Blog

SEPTEMBER 9, 2021

After your birthday, Social Security number, and cell phone number, your credit score is the most important number in your life. Your credit score, known in the financial services industry as a Fico Score, is a snapshot of your financial history. If you have bad credit, typically 580 or less, it can be much harder to get a loan.

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Better Credit Blog

MAY 17, 2022

Auto Loans Can Be “Good Debt”. We sometimes see debates between good debt and bad debt. Good debt usually are the kinds of credit taken in ways that will improve our lives. At the top of the list of bad debt is credit cards. The Main Reason Auto Loans are Good Debt.

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Better Credit Blog

JULY 14, 2020

You’re getting phone calls and letters from a company demanding that you make payments on an old debt. You may not even remember having the debt in the first place. First Financial Asset Management is one such company that may come after you for an old debt. What is First Financial Asset Management?

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Better Credit Blog

APRIL 4, 2022

If you are like most people, you have dealt with or are currently dealing with debt collectors. I’ve been preaching about the dangers of debt collectors for years and get countless emails from readers who end up in trouble by answering the phone when a debt collector calls. So, how should you deal with debt collectors?

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Better Credit Blog

JANUARY 27, 2021

BC Services is a third-party debt collector that has been hired by a healthcare provider to whom you owe money to get you to make payments on a debt. They are completely legitimate and can have a detrimental effect on your credit score. Collection accounts are bad news for your credit score and your loan prospects.

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Credit Corp

SEPTEMBER 7, 2023

If you’re behind the national average, it may seem difficult to catch up, but whether you have bad credit or a lot of debt, you can still begin building your net worth by learning how to generate passive income. Create a Blog There are a variety of ways to make money from writing a blog.

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Better Credit Blog

APRIL 1, 2022

They’re great for credit card debt consolidation, home improvement projects, major car repairs, or any other cash-heavy project. Since personal loans are unsecured, you’ll need an excellent credit score to get the best deal. But even borrowers with average credit can get approved for some loans. LightStream.

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Better Credit Blog

AUGUST 9, 2021

Even just one outstanding debt is a headache that can drag down your credit rating and make it tough to get a loan for a home or a car. If you owe multiple outstanding debts, it might be time to consider looking into a debt consolidation loan. Ad See how much you could save by consolidating your debt!

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Better Credit Blog

AUGUST 9, 2021

Even just one outstanding debt is a headache that can drag down your credit rating and make it tough to get a loan for a home or a car. If you owe multiple outstanding debts, it might be time to consider looking into a debt consolidation loan. Ad See how much you could save by consolidating your debt!

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Better Credit Blog

MAY 3, 2022

Be careful when you buy credit repair software. Many programs promise a lot, including dramatic increases in your credit score. In reality, the software cannot provide a miracle cure for a bad credit score. When you buy a credit repair software program, you’re buying tools to help you repair your own credit.

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Better Credit Blog

NOVEMBER 18, 2021

Credit has become integral to how the world works. We use it in our daily lives in many forms, including mortgages, car loans, and credit cards. The amount you can access depends on your credit report and your credit score. Credit Scores. The Lowest and Highest Credit Scores You Could Get.

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Better Credit Blog

FEBRUARY 11, 2022

Can reduce your debt by 30% on average. Rated the best debt relief company on Trustpilot. A Guide to Debt Settlement Services. If you’re on the brink of bankruptcy, a final option before filing is to try the services of a debt settlement firm. About National Debt Relief. Key Takeaways. Sounds a little too easy?

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Better Credit Blog

AUGUST 24, 2021

You probably hear all the time about how important a good credit score is. You’ve likely also heard that a good credit score is essential to getting a mortgage, or a good deal on a personal loan for a car. But what exactly is your credit score, anyway? And what even constitutes a “good” credit score range? Ads by Money.

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Better Credit Blog

SEPTEMBER 18, 2020

If you have heard from CACH LLC recently, they are likely pursuing you for an old debt. This means that they have either been hired by your old creditor or have acquired the debt from them to profit on your payments. Either way, CACH LLC will need to open a collections account on your credit report in order to legally pursue payment.

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Better Credit Blog

MAY 10, 2022

When you get your first credit card, one of two things can happen: You could keep your new credit card’s balance paid down and make on-time payments month after month to build credit. Option 2 could wreck your credit score because you’re more likely to make late payments and carry large balances.

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Better Credit Blog

SEPTEMBER 21, 2020

If you have a debt that has gone to collections, you may have heard from a company called AR Resources. AR Resources is a debt collector that has been hired on behalf of the original creditor. To do this, they must first open an account on your credit report that shows that they are authorized to collect on the debt.

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Better Credit Blog

JANUARY 11, 2022

Feeling crushed by debt is one of the most stressful situations possible, but there are options. If you find yourself saddled with more debt than you can reasonably pay off in a timely manner, you can always file for bankruptcy. Ad See how much you could save by consolidating your debt! Ads by Money. Camron Hoorfar, J.D.

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Better Credit Blog

SEPTEMBER 8, 2020

If you owe an old landlord money on your rent, you may begin to hear from a debt collector called National Credit Systems. National Credit Systems is a third-party debt collector that has been hired on behalf of the original creditor to collect the debt from you. What is National Credit Systems?

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Better Credit Blog

SEPTEMBER 30, 2020

If you forget to pay a bill, the original creditor may move the debt to collections. This means that you may start to get phone calls from a debt collector like AAA Collections, harassing you to repay the debt. Many complaints are in regard to inaccurate reporting or lack of response to debt verification requests.

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Better Credit Blog

JULY 14, 2020

If you have noticed a company called Hunter Warfield to appear on your credit report, you are probably being pursued for an old debt. Collection accounts on your credit report can damage your credit score for up to seven years, even if you pay them off. They may appear as ‘hwarfield’ on your credit report.

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Better Credit Blog

DECEMBER 9, 2020

Is Belk/Synchrony Bank on your credit report as a hard inquiry? The most likely reason for an entry from Belk Synchrony is a credit card application. A hard inquiry could lower your credit score, staying on your report for two years. Belk/Synchrony Bank On My Credit Report. It happens when you: Access your credit score.

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Better Credit Blog

NOVEMBER 24, 2020

The American debt crisis is a growing one. Especially since the start of this year, many Americans have been struggling to manage their bills or make payments on existing debts. In order to legally collect on your debt, they must first open a collection entry on your credit report. Validate the Debt.

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Better Credit Blog

MAY 10, 2022

Is there one very best credit card somewhere out there? The credit card industry has seriously evolved in the past couple of decades. They moved well beyond the scope of simply providing revolving lines of credit, and competing with one another over interest rates and credit limits. Travel Rewards Credit Cards.

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Credit Corp

MARCH 30, 2021

This post originally appeared on Arrest Your Debt and has been republished with permission. The concept of delayed gratification , where you enjoy less today to enjoy more tomorrow, has to be applied here. If you spend a dollar more than you earn every month, you’ll have to survive by managing increasing debt.

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Better Credit Blog

JANUARY 21, 2021

Is LexisNexis/INS/P&C on your credit report? If so, it could be bringing down your credit score. We’ll also explain what a hard inquiry does to your credit and how you may be able to get an entry deleted. LexisNexis/INS/P&C On My Credit Report. Soft Credit Inquiry. Hard Credit Inquiries.

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Fico Collections

JUNE 14, 2021

For these reasons, BNPL loans, which are convenient and fast, can be an excellent spend management tool. Notably, one of the pros is that BNPL loans typically don’t involve a hard credit inquiry, helping to protect the user’s credit score. As you’ll see below, this step (or lack of it) can open the door wider to fraudsters.

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PDC Flow

JANUARY 12, 2021

2020 has been an unusual year for the accounts receivable management industry (to say the least). But the year also saw numerous pieces of legislation, (CFPB’s Regulation F to California debt collection licensing and more) that will impact how collections will operate going forward. Regulatory Changes. John Bedard. Joann Needleman.

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Better Credit Blog

JULY 12, 2021

It means you are no longer obligated to repay part of or the total of your loan debt. Student debt has grown enormously, more than doubling over the past two decades. Known as NIH LRP , the program can repay up to $50,000 annually of a researcher’s educational debt. Major types of student loan forgiveness and what they mean.

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Fico Collections

JULY 5, 2023

These are then used to defraud multiple banks with fraudulent accounts, credit cards, and loans. Fraud masquerades as bad debt There exists in the telecom fraud world a sort of purgatory where fraudsters disguise themselves as bad debtors. If fraud is categorized as bad debt, it will not be investigated or stopped.

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Fico Collections

JUNE 27, 2022

trillion across all industries in recent years – less than a third of them have succeeded in creating the types of customer service solutions and innovations that are critical to boosting client satisfaction and retention. credit cards for 27% of all transactions with average credit card debt of $3352. by Bill Waid.

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Fico Collections

JANUARY 19, 2022

Our five most popular posts of the year dealt with trade-based money laundering, non-fungible tokens, buy now pay later scams, courier scams and good old credit card fraud. Erik Stretz wrote: I think NFTs are even better for illicit purposes than traditional art, simply because the hurdles are lower. Here are excerpts.

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