Worker’s Compensation Debt Collection

Utah Worker's Compensation Debt Collection

Under the Utah Worker’s Compensation Act, debt collection agencies are not allowed to collect worker’s compensation medical debts from injured workers. Instead, worker’s compensation insurance is required to pay. This is true under the Fair Debt Collection Practices Act as well. Worker’s Compensation Medical Collection Efforts Work injuries are tragic. To make matters worse for … Read more

Ten Essential Tips to Creating an Effective Identity Theft Report

Identity Theft Report

Stopping collections and credit reporting of fraudulent accounts can be a difficult and time-consuming process. There are steps you can take however to protect your credit reports and prevent lawsuits against you for debt you don’t owe. Follow these ten essential tips to simplify the process of creating and using an effective Identity Theft Report … Read more

Identity Fraud Reaches Record High Numbers

Identity fraud increased 16 percent in 2016 with a record 15.4 million Americans falling prey to one form of identity theft or another according to the new 2017 Identity Fraud Study from Javelin Strategy & Research. The total amount stolen in 2016 also increased to $16 billion dollars. Card-not-present online fraud saw the biggest increase … Read more

FICO Credit Score Guide: Understanding Your Rating Profile

Understanding your credit rating is critical to sound financial management. Your credit score is a direct reflection of how well you manage debt. It impacts interest rates, lending decisions, employment possibilities, and even whether or not you can obtain an insurance policy. Five components used to calculate your FICO Score FICO Scores are based on … Read more

How to Dispute Errors in Your Credit Report

Credit report errors are far too common. Indeed, studies suggest that as many as 25 percent of credit reports could contain serious errors. The most common errors are identity errors, incorrect account information, and fraudulent accounts. There are certainly many other kinds of errors but these are the most prevalent. Identity Errors Identity errors occur … Read more

Identity Theft Debt Collection

Identity theft debt collection causes millions of Americans undue financial and emotional hardship every year. Debt collectors can be ruthless in their efforts to collect debt and are often skeptical and unsympathetic when a consumer claims to be a victim of identity theft. Restoring your credit after your identity is stolen can take time, money, … Read more

Credit Repair Dispute Mistakes

Many credit repair companies fail to understand even the most basic concepts of ethical and legitimate credit repair. For them, credit repair dispute mistakes are common. Unfortunately, even many of the industry leaders lack the knowledge required to ethically and competently repair credit on behalf of consumers. Ordering Credit Reports Ordering credit reports is an … Read more

Credit Repair Dispute Letters

Well-written credit repair dispute letters are crucial to effectively repairing your credit. Here are some tips on how to write an effective credit repair dispute letter. Form Credit Repair Dispute Letters Traditional credit repair organizations typically send form letters to dispute credit information. Those form credit repair dispute letters are problematic for several reasons. First, … Read more



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