Author Archives: Joan

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Simple Tip to Raise Your Score – Credit Score Tips

Category:Credit Repair Tags : 

Simple Tip To Raise Your Score Have you noticed if your score hasn’t changed on one of your accounts even though you pay every month on time? The reason this happens sometimes is because of the date you make your payment. You can actually get your score to go up some by making sure that


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mortgage calculator

How Long Should I Finance My New Home – Handy Mortgage Calculator

Category:Mortgage Calculator Tags : 

Use the free mortgage calculator below to see what you may end up paying on a new home. Plus your numbers into the mortgage calculator below to find out how long to finance your new home. By the way, years ago I bought my house in Dallas, TX.  An old boyfriend told me that I


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What Are The Codes On My Credit Reports

Category:Credit Repair

If you’ve requested your credit reports recently – or only peeked at them after a bank or another lender pulled your credit files – you may be wondering about some cryptic-looking codes and abbreviations you saw. The three main credit bureaus — Equifax, Experian and TransUnion — each have their own way of describing your


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Can a Debt Collector Sue Me?

Category:Debt Relief Tags : 

Stop Debt Collectors from Harassing You First and foremost! I would never talk to a debt collector over the phone. Your “Rights” are never served over the phone. I used to tell them, “Send it in writing!” and then I would hang up.  If you allow them to talk to you, many of the third


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What is Metro 2 Compliance

Category:Credit Repair Tags : 

Did You Know that Most Credit Repair Companies Use an Outdated Dispute Process? The Credit Bureaus Can Deem Your Disputes Frivolous and shut down. We Use the Newest and Most Effective Metro2 Compliance Process. So, What is Metro 2 Compliance. Metro 2 is the standard format for which financial institutions must send data about their loan


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What if a Debt Collector Calls Me?

Category:Debt Relief

What if I get a call or a letter from the collection agency? First, never speak with a debt collector over the phone.  Your rights are never served on a phone call.  You want the collection agency to validate and prove that it really is your alleged debt. You’ll want to send them a debt validation letter


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5 Types of Home Loans – Pros and Cons

Category:Credit Repair

5 types of mortgage loans: Check out this article that talks about the pros and cons of each type: 1. Conventional mortgages 2. Jumbo mortgages 3. Government-insured mortgages 4. Fixed-rate mortgages 5. Adjustable-rate mortgages   This article is from Bankrate.com. https://www.bankrate.com/finance/mortgages/5-basic-types-of-mortgage-loans-1.aspx  


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Win In Court Without a Lawyer or Trial

Category:Credit Repair

Yes! You can win without a risky trial. Lawyers drag out cases so they can bill more time. You don’t have to wait for trial to win! You aren’t billing for your time! JurisDictionary® shows how to win before trial. There is no evidence you cannot get before trial. There are no witnesses you cannot


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How To Win in Court

Category:Credit Repair

If you’re being harassed by debt collectors, we can help nip that in the bud. But if you need other lawsuit help, we recommend “How to Win in Court” Manual. You can defend yourself. Get more info here: Be Your Own Lawyer Can’t find a lawyer to take your case? Can’t afford what lawyers charge?


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What is DOLA

Category:Credit Repair

As I always say, never! never! speak with debt collectors over the phone. Only deal in writing. When they call, I would just tell them to send it in writing and HANG UP the phone right then. Having said that, here’s why. By them just calling you and verifying your phone number and address, they


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How to win in court without a lawyer