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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…
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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…
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Consumer protection laws are in place to help with issues that may arise when purchasing goods and services. In some cases, you may feel that the business has taken advantage of you, or you may need help if something unexpected happens during or after the sale. These laws also protect consumers from false advertising and…
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When you’re the victim of identity theft, it can be a traumatic experience. Not only do you have to deal with the stress of having your personal information stolen and used against you, but it can also take a toll on your credit score. Unfortunately, repairing your credit after being a victim of identity theft…
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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…
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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…
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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…
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Medical issues, whether they happen to you or someone in your family, can have an extremely negative impact on your everyday life. Not only will you have to focus on healing and getting back to normalcy at work and home, but the financial strain that medical problems can put on you are felt almost immediately.…
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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.…
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