INSPIRATION

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You Have Rights

If you have been harassed by unscrupulous debt collectors, you have the right to fight back in court. In the United States, debt collectors must follow the rules outlined in the federal Fair Debt Collection Practices Act, or FDCPA. This act was created to eliminate debt collector harassment by promoting fair debt collection. The act outlines debt-related consumer rights and requires collectors to conduct their business according to specific rules. If a debt collector does not follow these rules, you may be able to file a debt collection harassment lawsuit.

You Have Rights! To learn more about the FDCPA, please see this article from the Federal Trade Commission’s Consumer Education website.

FUTURE

Home Ownership

Stay ambitious about your financial future. Don’t give up when life becomes a struggle! You will win if you stay focused and do something about your credit.

Even owning a home is possible while you are rebuilding your credit. In many cases, alternative financing is available if you know where to look. “Rent to Own” arrangements often do not require a credit score because they analyze other behaviors to make their decisions. 

Prepare for success TODAY and give us a call to set up a consultation at 770-952-5168!

ONE CARD

Credit is King!

Credit cards are the most important factor in developing your credit score. Believe it or not, credit cards are more important than a mortgage, an auto loan or any other type of credit! FICO, the corporation that invented the way credit scores are calculated, works in the best interest of the lenders. Their rating of your credit is designed to protect the lenders… not help you access favorable financing.

When you pay on your mortgage, auto loan, and educational loans on time it does not reflect the scoring power like a credit card will. The balances on your credit cards show your real financial state. If your cards are at their limit you will lose up to 30% of your score! NCES will teach you how to create a budget that allows you to pay down your credit card debts so you can regain much of your score.