Navigating the VA Loan Process: Applying for VA loan might seem daunting, but with the right information and preparation, it can be a straightforward process. VA loans, offered by the U.S. Department of Veterans Affairs, provide significant benefits to eligible veterans, active service members, and their families. This comprehensive guide aims to demystify the process … Read more
What is identity theft? With all the data breaches in the news, there is a lot of concern and clearly a lot of confusion about identity theft. So let’s start by first defining what “identity theft” really means. California law defines ID theft as “the unauthorized use of another person’s personally identifying information to obtain … Read more
Oops, you haven’t paid your Federal Stafford, PLUS or Graduate PLUS loan within 270 days and your loan is in default. How do you get out of this? Having defaulted Stafford, PLUS or Graduate PLUS loans on your credit report will cost you in the long run. Bad score will mean higher interest rate and … Read more
Use strong language. Don’t be afraid to use strong and powerful words when you write a report or grant application. Strong words convey confidence, competence, and the promise of meaningful results. The tendency for most people in writing reports and applications is to use eloquence rather than directness. But eloquence is not so reliable in … Read more
On the one hand, credit counseling can be a good way to resolve debt while avoiding bankruptcy. On the other hand, it can be like an onion; Once you peel back the layers, you may cry after seeing what you’ve been through. Consumer debt counseling service companies organize themselves as either for profit or not … Read more
Commercial Collection Company (CAC) is a collection agency that helps creditors recover debts where creditors fail to collect from consumers. Whenever you see that CAC collection agency is coming to you to collect your unpaid debts, it means that your creditor has passed the debt to CAC. If you are not sure of the ownership … Read more
Before the advent of the Internet and the widespread dissemination of information, landlords and property managers were at a distinct disadvantage when it came to screening potential tenants. Credit scores and cursory background checks of a large number of tenants were heavily relied upon to provide enough information to make an informed decision about whether … Read more
Credit repair is often used to describe a systematic process of improving credit repair. Individual’s credit score. If You Decide to Use a Credit Repair Company The Better Business Bureau suggests that you be wary of companies that don’t disclose You are within your legal rights and legally what you can do for free. they … Read more
With personal debt at an all-time high, many individuals have found themselves overextended and in debt. As their debt mounts, they can’t help but fall more and more behind and their credit score pays the price. If you’re one of the many people who’s had (or still has issues with) your credit in the past, … Read more