Blog

How Identity Theft Affects Your Credit & How To Fix It

According to the 2018 Identity Fraud Study conducted by Javelin Strategy & Research, there were 16.7 million cases of identity theft in 2017, which is a “record high” according to the report. The study also says fraudsters have been able to reel in more and more...

First Time Home Buyer? Where Do I Start?

Considering buying a home?  Wondering how to get started?  Or when to start the process?  You stomach gets all tight just thinking about purchasing what could be your biggest financial investment to date.  Understanding the process and having a plan may remove some of...

How To Get Assistance With Down Payments

Credit repair companies say, if you’re thinking of buying a home, the general rule of thumb is that you must have at least a 20 percent down payment before you even think about getting a loan. However, with home prices being what they are today, many people can’t...

What is a Charge-Off?

Learning the lingo of the credit world is an important part of keeping yours intact. One of the terms that you should be aware of is “charge-off.” This may seem like a complicated term at first glance, but the true definition of it is quite simple. If you don’t pay...

What You Need to Buy a House in 2019

You are about to embark on one of the most amazing and rewarding experiences that can ever come from spending money: buying a home. If you are buying a home in 2019, you should know that the entire process is not quick, but when all is said and done, there are few...

10 Life Hacks That Will Help You Save Money

Saving money isn’t as hard as you might think. These ten life hacks will make saving money just as easy as tying your shoes. Just making small lifestyle changes can snowball into saving hundreds, or even thousands of dollars each year. Wouldn’t you want that extra...

5 Ways Credit Impacts Your Wallet

Whether you like it or not, your credit is a reflection of you. It’s basically a snapshot of how trustworthy you’ve been with money in the past. Throughout your life, credit can affect many different milestones such as getting a job or an...

What is GC Services Debt Collection?

GC Services is notoriously known throughout the debt-collection industry. They’re arguably one of the biggest collection agencies in the world. They’re often the mouthpiece or middleman for companies in many different industries such as retail, traffic, and...

What is the Fair Debt Collection Practices Act?

As a borrower, it’s important that you are aware of the ways that you should be treated by debt collectors. There are governmental rules and regulations that are set up in order to protect you from being harassed by debt collectors and collection agencies. If you are...

Hard Inquiry vs. Soft Inquiry: What’s the Difference?

There are many intricate details that build your credit score. This includes the amount of new credit that you receive, the amount you currently owe, and your payment history. But, another factor that goes into your overall credit score is the number of times that...