Should You Use a Credit Repair Service?
Applying for something like a mortgage or an auto loan is difficult if you have bad credit. With poor credit, you won’t qualify for low interest rates and you end up having to pay back more than you otherwise would, making it more difficult to keep up with payments. This situation is especially frustrating if you’ve worked on improving your credit, but feel like your score doesn’t reflect that you’ve made major changes to your spending habits. If only there was someone out there to help you. Actually, there...
What is the Best Way to Fix Your Credit?
When you have bad credit, you have one thing on your mind: fixing it. A poor credit score, typically meaning below 670, can stop you from the things you need and want, like getting a new car loan, renting a nice apartment, or being approved for the mortgage on your dream home. The good news is that it’s possible to improve your credit scores by following a few simple steps. The bad news is that depending on exactly how bad your credit is, these may not be good enough...
How Long Does it Take to Repair Your Credit?
Credit ratings affect nearly all aspects of our modern lives. When you have poor credit, you have one question on your mind. How long does it take to repair your credit? The most realistic answer to this very important question is, “it depends.” Each person’s financial situation is unique and complex. According to Forbes, depending on where you’re starting from and how you manage your finances, it could take anywhere from a month to as much as 10 years. That’s quite a vast range. We don’t want to leave...
Can a Credit Repair Company Remove Debt?
No one ever wants to be in debt, yet millions of Americans find themselves in debt. Many of these people struggle to get out. Whether you lost your job and can no longer make the payments you thought you would be able to, had a medical situation that cost more than you could repay, or any other unforeseen situation, you’re now one of the many, many Americans who are struggling with unpaid debt and a poor credit score. You know you need to, but you simply cannot pay back...
5 Things Not to do While Repairing Your Credit
Repairing your credit is a long process. As much as you would love to repair your credit overnight, it’s going to take some time. While it is happening, you’re going to need to be careful. Making a mistake during the process can set you back to a frustrating spot. You may even find yourself with more unpaid debt and a worse credit score than when you began! For this reason, we want to ensure that you are educated as far as what you should avoid doing while you are...
4 Questions to Ask Credit Repair Companies
When your credit is poor, it can feel like the end of the world. At the very least, it feels like the end of your financial freedom. It is not, though! By hiring one of the top credit repair companies for professional credit repair services, you can make your way out of the financial burden. Of course, you’ll only reap the most benefits and work your way to better credit if you hire the right company. How can you know which of the credit repair companies is the right...
Can You Tell a Debt Collector to Stop Calling You?
You know that you’re in debt, and it’s possibly even a result of financial mistakes you’ve made in the past. You’re working hard to pay off what you owe, but you can’t pay it all at once. The constant calls from debt collection agencies don’t do anything to change this fact. Can you tell a debt collector to stop calling? Actually, yes! The Fair Debt Collections Practices Act helps protect people just like you from predatory debt collectors when you’ve missed bill payments and gotten yourself too far into...
How Many Calls From a Debt Collector is Considered Harassment?
When you’re in debt, the most important thing to do is learn how to deal with debt collectors as you work on repayment. Remember, when a debt collector calls you to collect on debt you owe, you have legal rights. The Fair Debt Collections Practices Act helps protect people just like you from predatory debt collectors when you’ve missed bill payments. One thing it covers is debt collector harassment and intimidation. Even if they are nice when they call, calling too often is debt collector harassment in and of...
3 Things You Should Never Say To A Debt Collector
No one wants to be in debt. It can feel overwhelming when you aren’t sure of the way out. Right now, the most important thing to do is learn how to deal with debt collectors. Remember, when a debt collector calls you to collect on debt you owe, you have legal rights. No matter what you owe and how far behind you are, there are ways for you to make a bad situation a little better. The truth is that there are also ways to make a bad situation...
What Happens to Your Unpaid Debt?
Did you know that some forms of debt don’t follow you around forever? If the statute of limitations has expired, the debt collector can no longer sue you to recoup the debt. But when does this happen? What happens to it when it does expire? And most importantly, will all debts expire? Safe Credit Solutions has the team of debt relief and credit repairs experts able to answer all of these questions and more. What happens to unpaid debt? Finding yourself unable to pay off a lot of debt...