Technology has provided our society with limitless amounts of convenience. In the world of development, many of these mainstream comforts are in their infancies. Just a decade ago, for example, the majority of consumers were still paying their bills via “snail mail” or over the phone. The notion of paying the mortgage through a DSL line was practically unheard of, and yet, the trend of online bill payment saw swift and positive acceptance. Like many others, you may have a predilection for online payments. After all, they are simple, quick, and effective, right? Perhaps, but the exception to the rule is the one that could land you in serious credit repair trouble. When the web is your source of financial responsibility, follow the tips below to ensure your safety. When it comes to convenience, your credit score is too high of a price to pay.
Education is the cornerstone of success—at least, that’s what colleges are selling. Unfortunately, no one mentions that “Life, Liberty and the pursuit of Happiness” comes with a price tag. The world has changed dramatically since the idyllic American Dream concept was born. Homes are more expensive, jobs are harder to find, and education costs have skyrocketed. When costs are higher and employment is competitive, many people turn to higher education for a better future. After all, greater knowledge equals a greater pay, right? Not so fast.
Halloween marks the beginning of the holiday season. You’re probably busy planning a spooky bash or deciding where to buy costumes for yourself and your family. According to Forbes, you’re not alone. Americans will spend an estimated $5 billion this year on haunting festivities, a sum second only to Valentine’s Day spending. If you struggle with credit repair issues, shelling out your piece of the pie is easier said than done. However, in the face of holiday spending, many people opt for the easy way out, saying, “I can’t afford to think about credit repair right now. I’ll wait until the holidays are over.”
The American middle class is shrinking. According to a study conducted by the Pew Research Center, the middle class has shrunk by 10 percent since 1971. To make matters worse, a reported 85 percent of people surveyed say that it is more difficult to maintain their standard of living compared to 10 years ago. The question is, why? Has our culture evolved into a less responsible population, or is our depressed economy to blame? Read on to discover how both forces have affected the middle class.
Religious or not, most people live by a set of rules or guidelines that steer them through life. When it comes to living responsibly, good credit is among the top concerns of the financially-minded. Keep the following commandments in mind as you begin your credit repair journey.
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