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Author Archives: Research Department

Can I Deal With a Debt Collector Over Email?


Over the past 25 years, the way individuals communicate with each other has changed dramatically. From telephone calls and faxes to emails and text messages, advancements in technology have made it much easier for individuals to get in touch with one another. Today, individuals communicate through text messages and emails more than they do through telephone calls. Businesses have also adapted to new ... Read More »

    CreditRepair.com Responds to Pending Credit-Reporting Changes

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    Salt Lake City, UT (PRWEB) March 16, 2015 CreditRepair.com, a leading provider of credit report repair services, reacts favorably to the new agreement announced Monday between New York Attorney General Eric Schneiderman and the three biggest U.S. credit-reporting agencies, Equifax, Experian and TransUnion. Under the agreement, the credit bureaus have approved the hiring of employees tasked to review consumer credit ... Read More »

      When Should I Pull My Credit Reports?


      A close friend recently asked me for advice about reviewing her credit reports and credit scores. A few years ago, when she got a mortgage, her scores were very good — in the 800s — but she has since had a run-in with a department store card that she fears may have had a negative impact on her credit. So it’s smart for her to ... Read More »

        The 8 Very Worst Mistakes You Can Make With Credit Cards


        Philadelphia, PA (PRWEB) March 15, 2015 National Debt Relief recently shared some of the worst credit card mistakes that consumers are guilty of in an article published March 3, 2015. The article titled “The 8 Very Worst Mistakes You Can Make With Credit Cards” enumerates some of the worst and fairly common mistakes people commit when getting or using their ... Read More »

          3 Questions That Can Lead You to a Better Retirement


          How do we decide what percentage of our income to earmark for retirement? Undoubtedly we think about the bills we have to pay, the medical expenses we might incur, the food and personal care items we need to purchase. This is a solid start — putting any amount of money aside for retirement is smart and necessary. But how many ... Read More »

            How We Started a Business in Our 70s


            Husband and wife team Rick and Jari Searns, of Williamsville, N.Y., have been entrepreneurs for almost their entire working lives — roughly 45 years. They have successfully launched and sold three staffing companies, one of which was an Inc. 500 company, and co-founded and currently own two marketing companies. They founded RestMark in 2013, spent roughly six months on software ... Read More »

              There’s a Catch to Income-Based Repayment That Could Cost You Money


              When it comes to dealing with student loans it can be a good news-bad news situation. While there are some good options to dealing with student loans when you can’t afford the payments, not all loans are the same. Federal student loans have a number of repayment options while private student loans tend to be more limited in terms of ... Read More »

                Why Student Borrowers Deserve the Same Tax Break As Homeowners


                At a time when bipartisanship seems quaint, Senators Dean Heller (R-Nev.) and Debbie Stabenow (D-Mich.) appear to have set aside their ideological differences long enough to collaborate on legislation that would extend the Mortgage Forgiveness Debt Relief Act. Soon after the housing market collapsed, lenders reluctantly began modifying mortgages by abating interest and forgiving loan principal, and agreeing to short ... Read More »

                  DebtWave Credit Counseling, Inc. Provides Financial Boost to San Diego Military

                  Meeting with Pusht-e Rod leadership

                  San Diego, CA (PRWEB) March 16, 2015 As a part of their community outreach, DebtWave Credit Counseling, Inc.’s comprehensive, financial education platform, the San Diego Financial Literacy Center (SDFLC) (http://www.sdflc.org), hosts a quarterly, interactive lunch and learn as part of their Educational Series. At this luncheon, attendees enjoy networking, learning about a hot, financial topic, and the presentation of a ... Read More »

                    Morgan Drexen Supports Changes

                    "Credit rating" handwritten with white chalk on a blackboard

                    COSTA MESA, Calif., March 16, 2015 (GLOBE NEWSWIRE) — Calling it an opportunity for the “little guy” to catch his financial breath, Morgan Drexen, an MDRX Services company (http://www.morgandrexen.com) today announced their support of changes being made by Experian, Transunion, and Equifax in the way medical debt is to be reported and scored on the credit reports of millions of ... Read More »

                      The 7 Money Mistakes That Parents Make


                      When it comes to teaching our kids about money, the one right way does not exist. There are, however, things that all parents can do to guide them along a path and empower them to learn good financial habits. Money Mistake 1 – Paying An Allowance A danger with automatically giving an allowance is that it can create an entitlement ... Read More »

                        Lexington Law Responds to the Significant Shift in Credit Reporting


                        Salt Lake City, UT (PRWEB) March 16, 2015 Lexington Law, a consumer advocacy law firm and trusted leader in credit report repair, responds in favor to the agreement announced on Monday by Equifax, Experian and TransUnion, to adopt major changes that aim to improve consumers’ credit scores. Among other things, the agreement addresses late medical-bill payments and the handling of ... Read More »

                          A Simple Chart That Explains Why College Tuition Is Going Up


                          Americans of all ages grapple with the cost of higher education, whether it’s trying to save for the future, choosing a college or repaying student loan debt. Tuition and fees at U.S. colleges has increased an average of 5% every year for the last decade, and the $ 1.2 trillion in outstanding student loan debt is projected to grow. In ... Read More »

                            Debt Collector ‘Boiler Rooms’ Threatened Arrest, FTC Says

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                            The voicemail would be enough to give anyone chills. “Hello, this is Detective Jeff Ramsey. I am attempting to touch bases with (you)… I will be back out to your place of residence … between the hours of 4 and 6 p.m. You are to have two forms of identification, no firearms or narcotics or loose animals on the premises. This ... Read More »

                              What’s America’s Favorite Insurance Company?


                              Insurance providers often interact with consumers while they’re dealing with high-stress situations — recovering from accidents, natural disasters or other significant losses — so making those encounters positive experiences can be a challenge. USAA excels in this area, according to the recently released 2015 Temkin Experience Ratings. The ratings, from consumer research and experience firm Temkin Group, are in their ... Read More »

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