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Credit Tips

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…

Beware of “Free” Credit Monitoring Services. Here’s Why…

By Tiffany Hazelaar | December 8, 2020

Free credit monitoring websites are infamous for sending email alerts warning that your credit scores have changed, or even worse – “dropped”. When you click on the email to find out why your scores have fallen, there is often no reason given.Why? Because EVERY free credit monitoring website will use varying attempts to market to you so…

Does My Spouse’s Credit Affect My Credit?

By Tiffany Hazelaar | December 1, 2020

This is a common question that married couples will ask. In short, the answer is “no”. You can share an account and credit cards with your spouse but each of you have your own credit score. If you share an account and your spouse misses a payment however, your scores will be impacted since you…

Buying, Selling, or Refinancing a Home?

By Tiffany Hazelaar | November 23, 2020

If you are in the process of buying, selling, or refinancing your home… Make sure you make your current mortgage payment, even if you think that your new loan will close before the payment on the old loan is due. Here’s why: One in three instances the new financing company will not payoff your current…

During This Time of the Unknown…

By Tiffany Hazelaar | November 17, 2020

Many people are concerned about what tomorrow will bring. It’s understandable to experience anxiety. One thing we know is that it is never wise to make decisions based on emotion. We DO know that our credit will absolutely be important to us when the dust settles. So what are some things you can be doing…