Credit Tips - Dedicated Credit Repair

Credit Tips

Are You “Leasing” Equipment from Your Cable or Satellite Provider?

By Tiffany Hazelaar | February 24, 2021

If the answer to this question is “yes” then please take notice… When you have any type of monthly service subscription that requires that you lease equipment (such as cable boxes, modems, etc.) be certain to: Take a picture of yourself returning the equipment. Take down the name of the employee that took your equipment…

Need Mortgage Relief? Here are 5 Steps to Follow

By Tiffany Hazelaar | February 16, 2021

Has the Coronavirus pandemic made it difficult, or even impossible, for you to make your mortgage payments? Watch this video for information on the steps you should take with your mortgage company to try and receive forbearance. One IMPORTANT thing to note, however: Forbearance does not mean loan forgiveness and it will almost certainly have…

How is Your Credit Score Determined?

By Tiffany Hazelaar | February 10, 2021

  Too often, people will incorrectly assume that they can have great credit scores simply by paying their bills on time and “not owing money” to anyone. Your payment history and your outstanding debt are definitely important, but they only make up about 65% of your credit score. It’s also important to have a long,…

Should I Pay Off My Credit Cards?

By Tiffany Hazelaar | January 27, 2021

Believe it or not, my advice is no. Many credit card companies are going to be decreasing credit limits and or closing credit cards on consumers to minimize their “at risk” level of exposure. If you gently pay down your credit cards to a 25% usage amount you will be less at risk for a…

Debt Collectors MUST Follow These Rules…

By Tiffany Hazelaar | January 20, 2021

Did you know Debt Collectors MUST abide by the Fair Debt Collection Practices Act? Debt collectors have rules that they must follow.  We all know that we are responsible to pay our debts.  If you fall behind on paying your debts however, you may be contacted by debt collectors.  These debt collectors have rules that…

Does It Matter If the Status Of My Derogatory Account is “Open” or “Closed”?

By Tiffany Hazelaar | January 12, 2021

It really doesn’t matter if an account remains open or closed.  A late/missed payment will impact your credit score regardless of the status of the account. Many consumers contact our office under the false impression that their late payments on closed accounts do not have as big of an effect on their credit scores.   That…

Will Divorce Affect My Credit?

By Tiffany Hazelaar | January 5, 2021

When couples file for divorce, one of the things they often fail to consider is the effect it could have on their credit.  It all depends on how their credit accounts are set up. For instance, if a couple has “joint” credit cards and the courts determine that one ex-spouse is responsible to pay a…

What Do You Do If You Are the Victim of Identity Theft?

By Tiffany Hazelaar | December 29, 2020

Thieves are constantly at work trying to steal your personal data.  Even if you aren’t directly hacked, your information could be compromised if a company you do business with (such as a bank, credit card company, insurance company, doctor’s office, or even a mobile app) gets breached by a hacker. Identity theft protection is critical…

Buying a New Car Anytime Soon?

By Tiffany Hazelaar | December 22, 2020

As the end of the year approaches, you will be seeing more and more car advertisements as the manufacturers want to sell as much inventory as possible before the New Year.  If you are contemplating a car purchase and you’ll be trading in your old car with an outstanding loan balance, here is something to…

What are the Timelines for Making a Credit Dispute?

By Tiffany Hazelaar | December 15, 2020

When it comes to disputing derogatory items on your credit report, you might find it pleasantly surprising to know that time is truly on your side! The reason why we are typically able to get great results for our clients is because when we challenge a negative credit item on behalf of one of our…