Understanding Credit Reporting and Credit Repair

Consumer Credit Report Dispute

Maintaining accurate credit reports and understanding credit reporting are crucial for financial success. Credit reports provide a snapshot of an individual’s credit history and financial behavior, which can impact a wide range of financial opportunities, such as obtaining loans, securing employment, and renting housing. Credit reporting agencies, also known as credit bureaus, collect and report … Read more

Ultimate Guide on How to Report Identity Theft

Report Identity Theft

It only takes a few simple steps to report identity theft. Act now to clear up your good name, repair your credit reports, stop additional fraud, and end the devastating financial and emotional harm caused by credit card fraud and other financial crimes. What is identity theft Identity theft is the fraudulent procurement of your … Read more

Workers Compensation Debt Collection

Utah Worker's Compensation Debt Collection

Under the Utah Workers 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. Workers 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

Conclusion Clearing up your credit and stopping debt collections of fraudulent accounts can be time-consuming, confusing, and frustrating. It can also be risky. You must swear under oath and penalty of perjury you had nothing to do with the fraud, did not authorize the fraud, and did not benefit from the fraudulent charges. Following these … 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



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