Does “Pay-to-Delete” Really Work?

There is a term being used by some credit repair and settlement companies called “Pay-to-Delete”.  Does this really work or is it just a scam? I’ve been helping people resolve credit issues for almost 15 years. I am not a “credit repair” specialist, but having been in and around this industry for a long time,… Read more »

Wage Garnishment in Oregon…How to Stop

Here’s some very helpful tips on how to put a stop to wage garnishment in Oregon. First you must understand that a debt collector cannot simply be awarded a wage garnishment for unsecured debts without first having gone through the legal process:

Low Credit Score, High Insurance Premium…WHY?

If you have ever shopped around for car insurance, you probably already know that there are a number of factors that affect the rates you will be paying. Age, experience, and the type of vehicle you drive all seem like reasonable criteria, but what about your credit score? Whether you are aware of it or… Read more »

How to Read a Credit Report Like a Pro!

Does reading your credit report make you feel like this?  Getting a copy of your credit report is simple to do right from your home computer using AnnualCreditReport.com.  When you have your credit report, you’ll be able to see what your creditors are saying about you. However, credit reports can be a little confusing and… Read more »