Have you or a family member been receiving annoying spam calls throughout the day? Has your inbox filled with aggressive collection messages? As a consumer, it is imperative to educate yourself about the process that an actual collection company can attempt to collect a debt as opposed to a scam caller asking you to meet […]
Author Archives: joep
06
Nov
Nov
For many people, the idea of medical debts haunting their credit reports can be a source of constant worry. Fortunately, in recent years, there has been a positive change in the financial landscape. The removal of medical debts under $500 from credit reports has been a game-changer, resulting in increased credit scores for countless […]
24
Oct
Oct
Hello, my fellow financial enthusiasts! Today, I want to share a game-changing strategy with you that has brought me so much peace of mind when it comes to managing my credit card debt. It’s called the 15/3 Credit Card Payoff Method, and believe me, it’s a game-changer! Now, as we navigate the ups and downs […]
24
Oct
Oct
Dreaming of owning your own home? If so, you’re not alone. For many aspiring homeowners, an FHA loan can be a game-changer. Backed by the Federal Housing Administration, these loans offer more flexible requirements and lower down payment options than conventional loans, making homeownership more accessible. However, preparing for an FHA loan requires some effort […]
10
Oct
Oct
Are You Hurting Your Credit? In the world of credit, the option that seems the most logical sometimes is not the best option. When you think about taking out a loan, the first thing that comes to mind is “how quickly can I pay this back?” If that is your mindset, then you are going […]
18
Sep
Sep
In these uncertain times, economic challenges have become a shared experience for many. One striking indicator of the financial hardships faced by individuals and businesses alike is the unprecedented surge in loan rejections. As we navigate through these turbulent waters, it’s essential to comprehend the factors contributing to this distressing trend and what we as […]
08
Sep
Sep
Identity theft has been described in many ways over the years through different definitions, but Identity theft refers to when someone steals your personal identifying information for their own personal use. Thieves will use your information to do anything from draining accounts, opening trade lines, creating fake accounts and generally running amok under your name. […]
01
Sep
Sep
Here is a wonderful podcast on the implementation of the new VantageScore 4.0 to the Mortgage Industry! The major subject that this podcast explains is the “why” and the benefits of implementing this new score. If you are active in the Mortgage Industry, this a great quick listen athat is less than 15 minutes long. […]
28
Aug
Aug
It is no secret that many of the values our parents held are becoming increasingly more difficult to attain; whether it be building your wealth or buying a house, each goal will have a new set of trials and tribulations. As a first-time home buyer, the home buying process can seem like a daunting experience, […]
17
Aug
Aug
In an age where personal data is more valuable than ever, incidents of identity theft and credit bureau fraud have become increasingly prevalent. The Federal Trade Commission (FTC) is a governmental body responsible for safeguarding consumers against deceptive practices and fraudulent activities. However, the year 2023 has brought forth a startling revelation: the FTC has […]