NYC Collection Laws

NYC Collection Laws

Debt collector agencies are the category for which the DCA receives the most complaints. Therefore, the DCA has beefed up the consumer protection laws against debt collectors. If a debt collector violates one of these laws they can be fined $1000 or more per incident....
How long do marks stay on my credit report?

How long do marks stay on my credit report?

The FCRA has set rules for how long negative marks are allowed to stay on your credit report. Here is a list: Credit inquiries Credit inquiries stay on the credit report for 2 years, but they only effect credit for 12 months. Late payments Late payments may stay on...
For How Long Will A Late Payment Affect Credit?

For How Long Will A Late Payment Affect Credit?

It Happens To The Best Of Us In this day and age, we all run extremely busy lives. No one is an angel, and therefore, even the best of us may forget to pay our credit cards bill one month. In this post, I want to discuss how much a late payment will hurt your credit...
Why You Should Hire a Credit Repair Company

Why You Should Hire a Credit Repair Company

Before I start, let me acknowledge that I am completely biased because I myself own a credit repair company. This said I want to point out here in this post a few reasons why I feel it is beneficial for someone looking to repair their credit to use a credit repair...