All collection agencies and creditors will settle for less than the full balance, except collections on student loans and unpaid child support, which must be paid in full due to government regulation imposed on the collecting authority. With the right person negotiating the debt, a good settlement can be obtained at 35 to 65 cents…
Contrary to what the credit bureaus would like you to believe, credit repair does work and can work for 100% of people in most circumstances. This is, of course, provided you are getting the best advice and have an experienced professional working on your case. Anyone with a credit score below 720 can benefit…
I learned early on that credit card companies love people who max out their credit cards. They love them because of the income stream they get as a result. However, if you max out your credit, the companies may also view this as a sign of desperation and assume that you are a risk. It…