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What You Need to Know About the CROA & Why The Bureaus Want to be Exempt

The Credit Repair Organizations Act, commonly referred to as CROA, is the federal law which governs any business which practices credit repair services. It is a law which exists to protect you as a consumer in a number of important ways. Keep reading below for a few highlights of the best protections you are afforded […]

Jason M. Kaplan, Esq./

February 16, 2018
You Need to Know: Can Student Loans Impact Your Credit?

Believe it or not, worrying about your credit is actually a good thing. It shows that you are thinking. It shows that you are smart. It shows that you want to take charge of the direction in which your life is headed instead of just sitting back and allowing life to happen. So you might […]

Jason M. Kaplan, Esq./

January 26, 2018
Revealed! Why Your Credit Scores Suck: FICO Reason Codes

Applying for a new loan or credit card is pretty much synonymous with having your credit pulled. Whenever you apply for new services or just about any type of new financing a lender is probably going to check your credit report and score (or perhaps all 3 of your credit reports with scores) in order […]

Jason M. Kaplan, Esq./

November 3, 2017
What Can Be Disputed On a Credit Report?

Discover how to dispute errors on your credit report and improve your financial standing. Learn what can be disputed on a credit report and take control of your credit history.

Jason M. Kaplan, Esq./

October 19, 2017
Rebuilding Credit After Bankruptcy

With some basic steps you may be able to begin rebuilding credit after bankruptcy right away.

Jason M. Kaplan, Esq./

October 5, 2017
Preparing Your Credit for an Auto Loan

There are a lot a factors to consider and numerous decisions to be made as you prepare to purchase a new vehicle. While some of these decisions can be fun (such as choosing the make, model, and color of your ride) there are also some other important factors which you cannot afford to overlook. Making […]

Jason M. Kaplan, Esq./

September 29, 2017
Free Credit Scores: Useful or a Waste of Time?

Making Sense of Free Credit Scores: Benefits and Drawbacks The free credit scores you pull online (aka consumer credit scores) and the credit scores you receive whenever a lender accesses your credit as part of a loan application are often worlds apart. Many of the consumer credit scores which you can access online are some […]

Jason M. Kaplan, Esq./

September 22, 2017
Who Has the Right to Access Your Credit Reports?

Protecting Your Privacy: Who Can Legally Access Your Credit Reports? Have you ever reviewed a copy of your 3 credit reports? If not, you should make a point to do so sooner rather than later. Your credit reports can contain a vast amount of personal information about you. This information, collected by the credit reporting […]

Jason M. Kaplan, Esq./

September 7, 2017
Do You Still Owe a Charged-Off Debt?

“Charge-off” is a credit term which is very often misunderstood by consumers. If you have struggled with credit problems in the past, the term could easily wind up on your credit reports in association with unpaid accounts. However, while a charge-off might potentially appear to be good news on the surface it does not actually […]

Jason M. Kaplan, Esq./

August 23, 2017
Universal Default

Credit cards represent a wonderful tool to help you build good credit, but only when they are used properly. Improperly managed credit cards can actually lead to a lot of credit and financial problems including lower credit scores and out-of-control, stressful debt. For this reason our team of credit professionals recommends that you keep your […]

Jason M. Kaplan, Esq./

July 19, 2017
How Many Credit Cards Are Too Many?

If you are looking for credit advice online or in your favorite eBook store you are likely to come across a lot of different opinions. Some credit advice will probably be very similar across the board, such as the fact that no one thinks it is a good idea to make late payments on your […]

Jason M. Kaplan, Esq./

July 12, 2017
Does Credit Matter If I’m Not Applying for a Loan?

Discover why credit matters beyond loan applications. Explore the role of credit in your overall financial well-being.

Jason M. Kaplan, Esq./

July 5, 2017

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