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You are here: Home / Archives for credit reports

credit reports

How To Deal With Resurgent Capital and LVNV Funding

September 7, 2021 by Michael Bovee 4 Comments

Both Resurgent Capital Services and LVNV Funding are part of the Sherman Financial Group based in South Carolina. I have been helping people resolve debt with this debt buyer and collection agency for many years. If you are dealing with this company, as far as debt buyers go, it could be worse! LVNV Funding and […]

Filed Under: credit reports, debt collection, debt settlement

Double Jeopardy on Your Credit Reports

September 7, 2021 by Michael Bovee 1 Comment

If you are looking at your credit reports, and seeing a duplicate account appear on the same report, you could be a victim of what I refer to as double jeopardy. This can skew your debt to income ratio, and cause other domino affects. It can also make it look like you have more unpaid […]

Filed Under: credit reports, debt consolidation

What to do if Your GreenSky Loan Becomes a Problem

March 19, 2022 by Michael Bovee 6 Comments

GreensSky loans are primarily unsecured, and made for home improvements. The loan amounts can reach above fifty thousand dollars. How much your monthly payment is will depend on the amount of your loan, and the interest rate applied. The larger the loan, the harder it can be to keep current with the payments. When financial […]

Filed Under: credit reports, debt collection, debt settlement

Coping with Freedom Plus Loans When You Cannot Keep Up Payments

September 7, 2021 by Michael Bovee 17 Comments

Freedom Plus loans can range from about ten to forty thousand dollars. The interest rates can vary depending on your qualifications when you get approved for the loan. This can make for hefty monthly payments, and can also mean some of us are one unexpected expense away from not being able to make our Freedom […]

Filed Under: bankruptcy, credit reports, debt collection, debt settlement Tagged With: Consolidation loan, Freedom Plus

Discover a Higher FICO Score: Secured Credit Cards

September 7, 2021 by Mrs. MoneyJar Leave a Comment

How to raise your credit score.

I wrote a previous post on how to rebuild your credit score, mentioning the fact that I had signed up for a Discover secured card to get the ball rolling. In this post, I will walk you through what a secured credit card is, the pros and cons of getting one, and how to best […]

Filed Under: credit reports, money management

What to Do if You’re a Victim of Identity Theft

September 30, 2021 by Lucy Lazarony 3 Comments

Things you can do if you're a target for identity theft.

Has an identity theft struck one of your accounts?  Try not to panic!  But it is important to act fast to minimize the damage. Here’s what you need to do to get your credit and your finances back on track. Place a fraud alert on each of your credit reports.  Phone one of the three, […]

Filed Under: consumer rights, credit reports, money management

Rebuild Credit in 5 Important Steps

September 7, 2021 by Mrs. MoneyJar Leave a Comment

I need to rebuild credit for myself, and am doing so right now, so I thought I would walk you through some of the steps I’m taking to meet my new credit goals. Please understand that there is no “quick fix” for your credit. Your credit report is created based on your use of borrowed […]

Filed Under: credit reports

How to File a Credit Dispute Online: DIY Credit Repair

September 7, 2021 by Mrs. MoneyJar 4 Comments

How to dispute something on your credit report.

When you file a dispute for inaccurate tradelines on a credit report, for removal, it is affectionately known as “credit repair”, and although I’m no expert, I still feel more qualified to do it than most credit repair companies, who tend to be underhanded in their approach and charge a pretty penny. DIY credit repair? […]

Filed Under: credit reports

First Progress Secured Credit Card from Synovus

September 7, 2021 by Michael Bovee 7 Comments

Build credit with a small secured credit card.

Earlier in the week I engaged in a string of comment replies with a reader who had paid some old collection accounts and is working on rebuilding his credit and improving his FICO score. We exchanged some comments about getting approved for a First Progress secured credit card as a tool to start rebuilding his […]

Filed Under: credit reports

How will contacting a collection agency restart credit reporting or time limits to sue?

September 7, 2021 by Michael Bovee 72 Comments

Dear Michael: “My daughter has medical bills from 2008 when an emergency situation arose and she was not covered under insurance. She recently checked her credit report and contacted the collection sites to see if they were really hers. If you contact the collection agency, does this restart the ‘7.5’ years on your credit report? […]

Filed Under: credit reports, debt collection

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