Latest podcasts from The Credit Pros.
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Don’t let bad credit hold you back from getting the things you need. With New Horizon Business Service, you can get the store credit you deserve, even with a bad credit score.
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A healthy credit score is essential for unlocking financial opportunities, from better loan terms to higher credit limits. Credit Delete Geeks specializes in helping individuals repair and improve their credit scores, providing expert services to address issues such as late payments, collections, or inaccuracies. Their comprehensive approach includes identifying problem areas, disputing inaccuracies, and educating clients on sustainable credit habits. With Credit Delete Geeks, customers rece ...
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White Jacobs offers expert credit repair services designed to help individuals regain control of their financial health. With years of experience and a team of certified credit analysts, White Jacobs specializes in identifying errors and discrepancies on your credit report that may be affecting your score. They work directly with credit bureaus and creditors to dispute inaccuracies, ensuring that your credit report accurately reflects your financial standing. From removing negative marks to ...
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Are you tired of being held back by a poor credit score? Look no further than White Jacobs, your premier destination for professional credit repair services in San Diego. With our proven expertise and personalized approach, we are dedicated to helping you regain control of your financial future and achieve the creditworthiness you deserve. In addition to our credit repair services, we offer valuable resources and educational materials to help you better understand credit management, budgetin ...
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In The Business Credit and Financing Show we tackle all types or topics relating to how you can get business credit and financing to start and grow your business. We also discuss marketing and growth strategies with top influencers and industry experts, to help you start and grow a profitable business.
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History is beautiful, brutal and, often, ridiculous. Join Ben Bowlin and Noel Brown as they dive into some of the weirdest stories from across the span of human civilization in Ridiculous History, a podcast by iHeartRadio.
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FICO® Score Industry Insights covers the intricacies, evolution, and developments across credit scoring, lending, economic inclusion, financial literacy and, as matters emerge in this fast-paced environment, a host of other relevant topics.
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Join Jeff Richardson he hosts VantageScore’s newly recast podcast, THE SCORE podcast, for the lending community. Each week he and his guests—journalists, academics, researchers, and others in the know—explore concepts important to lenders like you. Tune in and learn what you need to know to tap new credit-worthy borrowers to grow your portfolio—while supporting financial equality and inclusion.
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The 800+ Financial Freedom Podcast is here to give Financial Tips to help you get back on track Financially and to Help you reach the 800+ Club. The 800+ Financial Freedom Podcast can help you overcome financial challenges with three simple steps. First, we discuss setting up a plan to help reach your financial goals. Secondly, we apply financial discipline to your life with teaching you the principles on how to change your financial situation. Last but not least we motivate and encourage a ...
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We are talking about financial information to help improve personally and with business objectives. Personal and Business credit building, funding. Real Estate Investing Strategies. Business opportunities and ideas to add additional steams of income. You know millionaires have on average 7 streams of income
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If you're facing financial struggles due to a low credit score, White Jacobs is your trusted partner for credit repair in Scottsdale, AZ. With their proven methods and dedicated team of professionals, they specialize in helping individuals regain control of their financial future. Whether it's fixing errors on your credit report or offering personalized strategies for long-term credit health, White Jacobs delivers results. What sets White Jacobs apart is their comprehensive approach, which i ...
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Quick tips on how to improve your credit score, how credit scores work, uses of credit and more!
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The show is designed to help people who have credit issues on many items, student loans, credit card debt, home loans, foreclosure intervention, bankruptcy counseling and many other credit issues. Their non-profit debt consolidation program could reduce your monthly credit card payments by an average of 25% and still have you debt free fast! Welcome to Cambridge Credit Counseling. We are a non-profit debt relief agency with a mission to help you get out of debt fast while giving you the tool ...
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Educating and providing helpful tips to help leverage your credit score. Learn how to rebuild and manage your credit score, if you are suffering from a low score.
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Join two adult men who have nothing better to do as they take a deep dive into the opening and end credits of their favorite and not-so-favorite movies and TV shows.
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This podcast will help you if you are a credit card beginner.
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This podcast is intended for business professionals wanting to learn more about soft credit check technology. Listen as we interview soft credit check industry leaders and business owners who have successfully deployed soft pulls in their businesses.
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Monique Buchanan, your real estate specialist, talks all things real estate. On this show she covers the processes of buying and selling a home. Welcome Home with Monique informs you on best practices to navigate the housing market so that you can start building your wealth through home equity.
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Personal and business credit tips, tactics, and advice from Joe Chavarria, CEO of The Credit Agents.
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Get motivated on your financial journey as you follow money nerd and financial coach, Tiffany Grant, as she strives to be debt free by 35! She makes complex financial topics surprisingly simple. You will get practical tips and tricks with an inside look at the strategies Tiffany and her guests use on a daily basis. Money Talk With Tiff gives you straight talk on all things money. This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy
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Politics, Religion, Sports, Business Opportunities
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If you're struggling with the negative impact of late payments on your credit report, Credit Delete Geeks offers the solution you need. Their expert team specializes in removing late payment records that can drag down your credit score and hinder your financial future. Using proven strategies and a personalized approach, they work to erase late payments quickly and efficiently. Whether you're looking to qualify for a loan, lower your interest rates, or simply improve your creditworthiness, C ...
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Looking to apply for a personal loan but don’t know what is your credit score? Don’t worry as now you can check credit score for free at Clix Capital. Just enter a few details about yourself like your name, mobile number, email, pin code, etc. and get the most accurate credit score with a matter of seconds.
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Hi, I am Sheela Vati a credit card podcaster. I aim to educate my listeners through my podcast so they may choose the best credit card for them.
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On this show we will be talking about the importance of having good credit, how to raise your score by 100 points, plus how you can get debt collectors to stop calling your home and or cellphone . I have also written a book on this subject entitled "HOW TO REPAIR YOUR CREDIT REPORT LEGALLY" "WHAT THE COLLECTION AGENCIES DON'T WANT YOU TO KNOW" This book can be purchased by emailing me at creditrepair64@gmail.com.
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Learn how to color your way to better credit with credit empowerment and education. If you know how to color, you know how to improve your credit!
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The 800 Credit Score Man Show is dedicated to providing knowledge to its listeners about their credit scores. The 800 Credit Score Man believes that knowledge is power, but the implementation of that knowledge is true power. The shows' goal is to help you achieve your financial goals and dreams.
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Are you struggling with a less-than-perfect credit score in Arizona? Look no further! White Jacobs is here to help you achieve your financial goals. Our expert team specializes in credit repair services tailored to Arizona residents. For more details visit https://www.whitejacobs.com/credit-repair-arizona/
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Are you looking for a path to financial freedom? Would you like to buy a home sometime in the future? Join us at The Royal Ties podcast, where we will uncover all the questions you have about your financial literacy. This podcast has all the answers to your need-to-know questions. How do I become debt free? How do I budget to eventually buy my first home? What is my credit score and how do I fix it? I am Clarck the financial coach, and I have dedicated myself to serving my community by being ...
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Welcome to My Credit Sucks, the podcast where we turn credit catastrophes into comedy gold! Join credit coach and financial aficionado Rolando Castro as he navigates the wild world of credit with humor, heart, and a hefty dose of helpful tips. From personal credit horror stories to debunking common credit myths, each episode is packed with relatable tales, laugh-out-loud moments, and game-changing strategies to transform your credit journey from drab to fab. Whether you're a credit connoisse ...
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If you want to improve credit score in 30 days then White Jacobs & Associates has experts to help you professionally. They can evaluate your credit history to find the negative items and will help to get it fixed quickly. For more detail, visit: https://www.whitejacobs.com/3-approaches-to-repairing-your-credit/
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Welcome to the Award Travel 101 Podcast! Founded in 2013 with just 20 members, the Award Travel 101 Facebook group teaches members how to travel the world using points and miles. Today, a community of over 100,000+ people from around the world share, teach and learn how to travel anywhere on any budget. Where are you going with Award Travel?
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Authorized User is a credit repair site that helps with improving your credit score and getting you started on the right track with building your credit. There are many different things that can go into repairing your credit. We provide tips and templates to help you through the process of repairing your credit.
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When Al Jones realized how bad his credit had truly become, he could do two things. He could simply decide that this was the way life had to be, or he could begin educating himself about credit repair. Jones chose the second option and improved his credit profile. As of 08/31/2020, his credit score increased to the perfect rating of 850. Support this podcast: https://podcasters.spotify.com/pod/show/aljones/support
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Extra help to get your credit score repaired is valuable. Hire credit repair Los Angeles services and have experts deal with your credit score. They will help you identify items that are hampering your credit score. For more details, visit: https://www.whitejacobs.com/credit-repair-los-angeles/ Hosted on Acast. See acast.com/privacy for more information.
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A credit repair is an important process that can help you to increase your credit score. It can help you in getting loans easily on lower interest rates. White Jacobs in Houston has trained employees who accurately examines and do your credit repair. For more details, visit: https://www.whitejacobs.com/credit-repair-houston-tx/ Hosted on Acast. See acast.com/privacy for more information.
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How to overcome debt, increase your credit score, and achieve long term financial freedom. Cover art photo provided by Kat Yukawa on Unsplash: https://unsplash.com/@katyukawa
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A safe space to discuss all things credit.
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SmartMoney editors and reporters answer your financial questions.
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People and stories that'll inspire you to get your money right! Inspiration is what helped me stay the course when I was paying off $20,000 of credit card debt and getting my financial life together, so I want to share inspiration with YOU! Learn more at missbehelpful.com.
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Embark on a journey towards financial empowerment with White Jacobs, your trusted partner in credit repair based in Rochester, NY. Our dedicated team of experts is committed to helping you achieve the credit score you deserve. Say goodbye to the barriers that hold you back from your dreams and aspirations. Our personalized approach focuses on disputing inaccuracies, negotiating with creditors, and providing strategic guidance to enhance your credit profile. At White Jacobs, we understand the ...
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Rent Cred analyze the ways to build your credit score. They follow the process where a lender will use your credit score to determine if they will lend you money and how much interest they will charge you to borrow it. Your credit score is a number calculated from the information in your credit report. It shows the risk you represent to a lender compared to other consumers. Knowing your credit score before a major purchase, such as a car or a home, may help you to negotiate lower interest ra ...
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White Jacobs & Associates is the leading company provides credit repair services for many decades. These services are ideal to improve credit score by eliminating negative items from the credit report. If you need best way of fixing credit to buy a house then immediately contact us by visiting at: https://www.whitejacobs.com/how-tyler-helped-pamela-increase-her-credit-score-to-get-a-home/
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Rondi exposes what the banks, credit bureaus and collection companies don’t want you to know about your credit report, and how important your credit score actually is, on his radio show "Your Credit Matters" - Rondi Lambeth is a Certified FICO Credit Professional, Speaker and Author. He is one of the most sought after speakers because of his depth of experience and knowledge in financial and credit matters. In addition to the daily talk show, Rondi also can be heard on multiple stations acro ...
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Gain Federal Credit Union is proud to present The Better Banking Podcast which will bring tips and tricks from our financial experts (with a side of tomfoolery) to wherever you get your podcasts.
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Get tips on how to improve your credit score and manage your finances with Ishant Sharma's credit show.
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Changing Lives, through educating, giving tips, elite hacks for positioning yourself and unlock funding secrets, tips, and hacks!!! Leverage credit-Turning credit into cash!!!💰
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Credit score is important factor if you want to own a house or want approval for a loan. If you have lower credit score and you want to fix credit to buy a house then White Jacobs & Associates can be helpful. It provides very best credit repair services which are ideal to improve credit score. To fix your credit to buy a house simply, visit: https://www.whitejacobs.com/our-process/
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Restore Financial Freedom: How Credit Delete Geeks Can Help Fix Your Credit Score
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A healthy credit score is essential for unlocking financial opportunities, from better loan terms to higher credit limits. Credit Delete Geeks specializes in helping individuals repair and improve their credit scores, providing expert services to address issues such as late payments, collections, or inaccuracies. Their comprehensive approach includ…
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Top 10 Summer Credit Score Tips To Boost Financial Health
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This article provides actionable tips to improve your credit score during the summer, covering areas like reviewing your credit report, optimizing credit utilization, managing payment history, diversifying credit mix, and planning summer spending.Autor: The Credit Pros
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CLASSIC: California Was Named for a Fictional Island Ruled by a Black Amazon Queen
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California was admitted to the United States as the 31st state in 1850, but it acquired its unique name much, much earlier. Join Ben and Noel as they trace the strange story behind California's name, from the fiction that inspired it to the loss and rediscovery of the story and, of course, adventures on a legendary Amazonian island. Tune in to lear…
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How Americans Save Money On Student Loans
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Americans can save money on student loans by applying for scholarships, utilizing federal, state, and school financial aid, and employing strategic loan tips such as paying down debt while in school, getting a cosigner for better interest rates, and exploring loan relief programs.Autor: The Credit Pros
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Damon Decrescenzo sobre el podcast del CEO de 7 figuras
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Damon DeCrescenzo, CEO de The Credit Pros, ha sido entrevistado en el podcast 'CEO de 7 cifras' de Casey Graham, discutiendo su amplia experiencia emprendedora y compartiendo estrategias para construir un equipo fuerte y lograr el éxito empresarial. La empresa sigue creciendo, lanzando una aplicación móvil y expandiendo su equipo.…
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Rebuilding Credit After Divorce - Effective Ways
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Divorce can severely impact your credit due to joint accounts, increased expenses, and potential identity theft. Protecting your credit involves separating joint debts by selling assets, refinancing, or paying off the debt yourself. Rebuilding credit after divorce includes checking your credit reports, disputing errors, and establishing individual …
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Datos de tendencias: los profesionales del crédito
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Los datos de tendencias son información histórica de pagos de tarjetas de crédito que muestran cómo los consumidores han manejado su deuda a lo largo del tiempo. Esto incluye montos de pagos mensuales y si los balances se pagan completamente o se llevan al siguiente mes. Los datos de tendencias son importantes porque ofrecen a los prestamistas una …
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Car Loan Is A Great Investment - 3 Reasons
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A car loan can be a good investment if you buy a new, reliable car, have good credit for low APR, and plan to drive it long-term. Avoid loans for used cars and purchasing beyond your means. Budget for total car costs, maintain your car, and understand loan terms to maximize benefits.Autor: The Credit Pros
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¿Qué significa la crisis del coronavirus para sus finanzas? - Los profesionales del crédito
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La crisis del coronavirus ha impactado significativamente en la economía, afectando la bolsa de valores, el empleo y la vida diaria. Es esencial mantener la calma y evaluar la situación de manera racional. Proteger su puntaje crediticio durante la pandemia implica comunicarse con prestamistas si se ve afectada su capacidad de pago. Los bancos puede…
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600 Credit Score - Is This A Good Credit Score?
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A 600 credit score is considered fair and is below the average for Americans aged 23 to 29, which is 660. It's possible to get loans, but at higher interest rates. Improving credit involves checking credit reports for errors and making timely payments. The highest credit score is 850, and anything over 800 is exceptional. Good credit scores range f…
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Your credit score may suffer due to unreviewed credit reports, forgotten accounts like utilities, unused credit cards with undetected fraud, high credit utilization ratio, or avoiding credit use altogether. Regularly checking your credit report, closing old accounts, monitoring all card statements, managing credit balances, and responsibly using cr…
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How You Can Prevent Identity Theft - The Credit Pros
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Preventing identity theft involves a proactive approach, such as freezing credit, reviewing credit reports annually, and scrutinizing credit card statements. It also includes using secure mailboxes, shredding sensitive documents, opting out of prescreened offers, and staying alert to phishing scams. By making it hard for thieves to access personal …
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Navigating Credit: Credit Report Vs. Credit Score Explained
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A credit score is a numerical representation of creditworthiness, ranging from 300 to 850, while a credit report details an individual's credit activity, including loans, payments, and defaults. Credit scores are calculated based on payment history, amounts owed, length of credit history, credit mix, and new credit inquiries. Each factor contribute…
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¿Cómo funciona una línea de crédito sobre el valor de la vivienda (HELOC)? - Los profesionales del crédito
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Una línea de crédito sobre el valor líquido de la vivienda (HELOC) es una línea de crédito renovable con garantía en la vivienda del propietario, que permite retirar fondos hasta un límite establecido y solo pagar intereses sobre la cantidad utilizada. Los HELOC tienen tasas de interés más bajas y son útiles para financiar grandes gastos como refor…
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¿Cuánto tiempo permanecen los pagos atrasados en su informe de crédito?
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Los pagos atrasados permanecen en el informe de crédito por 7 años, pero el impacto disminuye con el tiempo. Es crucial realizar pagos a tiempo, ya que los pagos tardíos pueden afectar gravemente el puntaje crediticio. Hay maneras de manejar los pagos atrasados, incluida la disputa de errores y el pago inmediato dentro de los 30 días. Los servicios…
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Ahorre dinero con préstamos para estudiantes: dos formas sencillas
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Para ahorrar en préstamos estudiantiles, incrementa los pagos mensuales o refinancia a una tasa de interés menor. Aumentar los pagos reduce el tiempo y el interés total pagado. Refinanciar puede disminuir el porcentaje de interés y el costo total del préstamo. Ambas estrategias pueden resultar en ahorros significativos a lo largo del tiempo.…
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Simple Yet Best Guide To FICO Score Vs. Credit Score In 2023
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A FICO score is a specific type of credit score created by the Fair Isaac Corporation, used by lenders to gauge creditworthiness. All FICO scores are credit scores, but not all credit scores are FICO scores. FICO scores range from 300 to 850, with different versions like FICO 8 being the most common. VantageScore is another type of credit score gai…
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Credit Cards 101: Part 2 - Debt Payoff Strategies
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Credit card debt can damage credit scores, even with on-time payments. Paying off debt in one go is often unrealistic, but strategies like balance transfers, consolidation loans, and the 'Totem Pole' method can help manage and reduce debt, potentially boosting credit scores.Autor: The Credit Pros
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Se revelan los rasgos comunes de las personas con puntajes crediticios altos
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Las personas con puntajes crediticios altos tienden a mantener saldos bajos en tarjetas, realizar pagos puntuales, limitar nuevas solicitudes de crédito, tener historiales crediticios largos y revisar regularmente sus informes de crédito para asegurar su precisión y manejarlos de manera efectiva.Autor: The Credit Pros
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Los 5 mejores préstamos de emergencia para malos puntajes crediticios
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El artículo discute la importancia del puntaje crediticio y ofrece soluciones de préstamos de emergencia para aquellos con mal crédito. Explica las desventajas de tener un mal crédito y sugiere opciones de préstamos como préstamos personales no garantizados, préstamos FHA, refinanciación con retiro de efectivo, préstamos de día de pago y préstamos …
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How To Get A Loan With No Credit? Best Guide In 2023
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Getting a loan with no credit is possible, but may involve higher interest rates or the need for collateral. Options include online lenders, credit unions, paycheck advances, cosigners, personal loans for no credit, collateral loans, credit builder loans, or borrowing from family and friends. It's essential to understand why you might have no credi…
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Bad Credit And Insurance Premiums: Understanding The Impact
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Bad credit can increase insurance premiums as insurers use credit-based scores to predict risk and potential for claims. These specialized scores differ from regular credit scores and consider additional factors. Poor credit-based insurance scores may lead to higher premiums or denial of coverage, but consumers can work on improving their credit to…
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Cómo reducir su tasa de utilización de crédito
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La tasa de utilización del crédito es clave para los prestamistas al evaluar la capacidad de un individuo para manejar deudas. Mantener una baja tasa de utilización, idealmente inferior al 30%, demuestra responsabilidad crediticia. Pagar saldos, mantener cuentas con saldo de $0 y saber cuándo se reporta la deuda a las agencias son formas de optimiz…
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The article provides a step-by-step guide on budgeting for your first home. It focuses on choosing the right home size based on current needs, down payment strategies, understanding mortgages, and accounting for additional expenses and payment changes. The goal is to ensure readers make financially responsible decisions when buying their first prim…
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How To Handle Credit Card Debt Problems - 2022
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Handling credit card debt involves understanding available tools such as balance transfers and debt consolidation, and adopting strategies based on one's ability to pay. Solutions range from transferring balances for lower interest rates to debt consolidation loans. Bankruptcy is usually not the best option, and certain actions like payday loans, u…
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How Bad Credit Affects Military Security Clearance
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This guide explores the impact of bad credit on military security clearance. It discusses the importance of financial responsibility, the levels of security clearance, common financial pitfalls, proactive steps to mitigate negative financial history, and concludes with the significance of financial health in national security roles. Maintaining goo…
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Top 3 Tips To Qualify For A Mortgage Loan
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To qualify for a mortgage, lenders evaluate creditworthiness, focusing on credit score, stable income, low debt-to-income ratio, and clean payment history. Mortgages are long-term loans secured by property, with varying terms and interest types. Credit scores range from 300-850, influencing loan access. FHA loans require a minimum 580 score for a 3…
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How To Handle Working From Home - The Credit Pros
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Working from home requires discipline in maintaining a schedule, setting clear boundaries with coworkers, incorporating personal time, and minimizing non-work distractions like excessive messaging. Establishing and adhering to a routine mimics office structure and helps balance work and personal life, even under remote conditions.…
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Credit Score Range - 5 Levels And Loan Options
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Credit scores range from 300 to 850 and are crucial for loan eligibility. FICO and Vantage are popular scoring models with different criteria and score ranges. Poor credit scores face high interest rates; excellent scores get the best terms. FICO is more popular, has stricter criteria, and uses five factors for scoring. Vantage is easier to qualify…
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Mastering Credit Cards: Making Them Work For You
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Properly managed credit cards are powerful credit-building tools, but credit card debt is detrimental to credit scores. High debt indicates risk to lenders, affecting 30% of FICO scores through the 'Amounts Owed' category. Revolving utilization ratio, the balance-to-limit percentage, should be low to protect scores. Responsible use, like paying ful…
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How To File A Claim Over Equifax's Data Breach - The Credit Pros
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If you were affected by the Equifax 2017 data breach, you can claim cash or credit monitoring. Options include a cash payment for time spent dealing with the breach, free credit monitoring services, or reimbursement for financial losses up to $20,000. Documentation may be required, especially for claims over 10 hours of time spent or significant fi…
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La diferencia entre informes crediticios y puntaje crediticio
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Los informes crediticios contienen detalles de actividad crediticia y pagos, mientras que los puntajes crediticios son cálculos numéricos de riesgo crediticio basados en esos informes. Hay tres principales agencias de informes (Equifax, Experian, TransUnion), y aunque cada persona tiene derecho a informes crediticios gratuitos anualmente, los punta…
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New Year's Resolution: Improve Your Credit Score
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To improve your credit score in 2016, check your free annual credit report, pay bills on time, manage credit cards wisely by paying off debt and not closing unused accounts, and spend within your means to keep credit utilization low.Autor: The Credit Pros
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What Does Coronavirus Crisis Mean For Your Finances? - The Credit Pros
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The coronavirus crisis affects finances by disrupting the stock market, interest rates, employment, and credit accessibility. The Credit Pros advise not to panic and to logically assess the situation, noting that market volatility doesn't directly translate to personal financial impact. It's crucial to contact lenders if payment issues arise due to…
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Why You Can’t Get A High Limit Credit Card - The Credit Pros
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High-limit credit cards are determined by proprietary statistical models considering income, net worth, debt, credit history, and credit score. Low limits may be due to insufficient income/net worth, high debt, poor credit score, lack of credit history, or adverse economic conditions. To potentially increase a limit, improve credit profile or start…
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Facebook & LinkedIn Data Breaches: Identity Security
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Identity theft is a growing threat, particularly on social media platforms, costing millions to victims. Types of online identity theft include account takeover, card fraud, and more. Signs of theft include strange transactions and unrecognized accounts. Protecting yourself involves checking financial statements, monitoring credit reports, and usin…
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5 Ways To Save More Money Shopping On Amazon
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Amazon offers various programs to help shoppers save money: Amazon Prime with multiple benefits, Amazon Outlet for clearance deals, Gold Box Deals for daily and lightning offers, Amazon Student for college student perks, and Amazon Mom for parents' discounts and coupons.Autor: The Credit Pros
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August Newsletter - The Credit Pros - The Credit Pros
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The article provides insights on credit repair and management, suggesting quick sign-up for credit repair services, and discusses the impact of closing credit cards and the usefulness of retail store cards for credit health. It also introduces UltraFICO, a new credit score model.Autor: The Credit Pros
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Boletín de agosto - Los profesionales del crédito - Los profesionales del crédito
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Los artículos cubren temas financieros: préstamos a plazos, datos de tendencias en créditos y la importancia de los cofirmantes en 2023. Explican cómo funcionan los préstamos, la relevancia del historial de pagos para el crédito, y consejos para elegir un cofirmante.Autor: The Credit Pros
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Denying Loan For 850 Credit Score-What To Do- Thecreditpros
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Despite having an 850 credit score, loans can be denied for reasons such as insufficient income, high debt-to-income ratio, unstable employment history, lack of savings, and past late payments. After rejection, one can find another creditor, get a co-signer, recover financially, or review and dispute credit report errors. A reconsideration request …
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CFPB demanda a Navient: impacto en los prestatarios de préstamos estudiantiles
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La CFPB demandó a Navient, servicio de préstamos estudiantiles, por engañar a prestatarios y optar por soluciones costosas. Navient niega mala conducta y cuestiona la motivación política y la aplicación retroactiva de nuevas normativas de la CFPB. Navient afirma que promueve activamente los planes de pago basados en ingresos y combatirá las alegaci…
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Lo que necesita saber sobre el Plan Nacional de Asistencia al Consumidor
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El Plan Nacional de Asistencia al Consumidor (NCAP) es un acuerdo implementado por Equifax, TransUnion y Experian para mejorar la precisión de los informes de crédito y facilitar el proceso para los consumidores. Incluye cambios importantes como un período de espera de 6 meses para informar deudas médicas, eliminación de deudas no contractuales de …
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Eliminación de deuda: Bank Of America y JP Morgan Chase News
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Bank of America y JP Morgan Chase han decidido eliminar las deudas impagas de los informes crediticios, afectando a casi un millón de ciudadanos en EE. UU. Estas deudas, aunque nulas tras la quiebra de los bancos, han causado problemas a los deudores. El Tribunal señaló que no actualizar estos informes es una violación de la ley federal. Los bancos…
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Mitos sobre la puntuación de crédito que necesita saber: tarjetas prepagas: los profesionales del crédito
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Las tarjetas de crédito, tanto tradicionales como de tiendas minoristas, pueden influir en tu puntaje crediticio si las manejas bien. Las tarjetas de débito y prepagadas no afectan directamente tu puntaje, pero un uso indebido de la tarjeta de débito puede resultar en deudas que sí afectarían tu crédito. Las tarjetas prepagadas no inciden en el pun…
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La CFPB multó a Equifax y TransUnion por engañar a los consumidores al vender puntajes de crédito y por inscripciones automáticas en suscripciones pagas sin transparencia. La multa fue de $5.5 millones y $17.6 millones en restituciones. Los puntajes de crédito no son únicos y varían según la entidad y propósito. La CFPB protege los derechos de los …
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Hipotecas: desde la aprobación previa hasta la liquidación y el cierre: los profesionales del crédito
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El proceso de aprobación de una hipoteca incluye obtener una aprobación previa, completar una solicitud formal, procesar la solicitud, pasar por la suscripción y finalmente obtener la autorización para cerrar. Es importante mantener la estabilidad financiera durante este tiempo para evitar cambios en el nivel de riesgo crediticio.…
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To combat harassment by collection agencies, send a written notice via Certified Mail demanding contact only by mail. If they call again, it's illegal and you can sue.Autor: The Credit Pros
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Avoid These Mistakes: Prevent Credit Score Destruction
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Credit scores are crucial for financial health, and managing credit responsibly is key. Ignoring credit, making late payments, justifying debt, and refusing to pay disputed bills can all damage credit scores significantly.Autor: The Credit Pros
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La guía rápida y sucia para su puntaje crediticio: The Credit Pros
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Su puntuación crediticia es una medida numérica de su solvencia, afectando las tasas de interés y las condiciones de préstamo. Se compone de historial de pagos, montos adeudados, mezcla de crédito, duración del historial crediticio y nuevo crédito. Las agencias de crédito ofrecen diferentes versiones de su puntaje. Para mejorar su crédito, consider…
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¿Qué se puede disputar en un informe crediticio? - Los profesionales del crédito
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Los consumidores tienen derecho a disputar cualquier información en sus informes de crédito según la FCRA. Esto incluye errores de información personal, saldos incorrectos, cuentas desconocidas, pagos atrasados inexactos y cualquier dato cuestionable. Es esencial ser proactivo al corregir errores para evitar daños financieros, y la CRA tiene 30 día…
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