by Rod Mercado | Nov 5, 2017 | Frequently Asked Questions
With both programs your debts are negotiated for less than what you owe and combining your debt together giving you one monthly payment program. Settlements are based on your ability to save sufficient funds to negotiate with creditors to substantially lower the...
by Rod Mercado | Nov 5, 2017 | Frequently Asked Questions
A secured debt is a debt in which the creditor maintains a security interest in an item or piece of personal property such as a house, automobile, boats, etc. With secured debts, if you fall behind on payments, the lender can repossess the property that originally...
by mannie castillo | Nov 5, 2017 | Frequently Asked Questions
A credit report is a record of your credit activities. It lists any credit card accounts or loans you may have, the balances, and how regularly you make your payments. It also shows if any action has been taken against you because of unpaid bills.
by mannie castillo | Nov 4, 2017 | Frequently Asked Questions
You are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies—Equifax, Experian and TransUnion. This free credit file can be requested through Annual Credit Report or by contacting the companies...
by mannie castillo | Nov 4, 2017 | Frequently Asked Questions
There are usually four types of information: Identifying Information: Your full name, any known aliases, current and previous addresses, social security number, year of birth, current and past employers, and, if applicable, similar information about your spouse....
