Credit

Today, qualifying for financing, favorable insurance rates, rental housing, and more is important to many people and households. Your credit score is something that lenders and landlords use to determine your creditworthiness, and they will not hesitate to decline applications if your credit is less than satisfactory. If you believe you have credit disputes you…

Creditors and other large corporations have significant power over consumers, especially when it comes to credit reporting. Companies can report information, and the major credit reporting agencies (Experian, Equifax, and Transunion) will generally add these details to your report without checking for accuracy. Consumers need protection in these situations, and Florida follows the Fair Credit…

A credit card reporting due date is at least 30 days after the last payment. Unfortunately, some creditors or lenders don’t disclose late payments until they’re 60 days past the due date. This is why it’s imperative to check the information on your credit report to know when a late payment appears. When juggling multiple…

If you’re worried about your current collection of credit cards, you’re not alone. The average American cardholder has four credit cards, says Experian. Nowadays, banks, credit unions, and even grocery stores are handing out credit cards like Halloween candy. While credit cards offer unique cash-back rewards, annual statement credits, and interest-free financing, they’re designed to…

When you owe money to a credit card company, utility company, bank, or any other creditor, you could be sued in civil court and have that judgment entered on your credit report.  Obviously, having a civil judgment on your credit report can be devastating to your overall rating, especially if you are trying to rebuild…

The numerous variables of your credit report can be intimidating, especially if you are simply trying to improve your rating. It can be difficult to contend with all of the sometimes conflicting information as well as keeping track of the ins-and-outs of your personal credit score. When it comes to determining how your credit score…

If you’re wondering what laws might apply to independent contractors in the state of Florida, you’re not alone. Some of these statutes and laws are written in ways that establish a gray area, creating confusion for human resources and alternate employers. Are you worried about misclassification? Do you want to make sure you’re in compliance…

Dealing with creditors is difficult enough on its own, but when reporting errors show up on your credit report and hurt your credit rating, it can be very demoralizing. If this has happened to you, you know first hand that credit report errors are common and can be harmful to your credit and daily life.…