Rights & Responsibilities

• Co-Borrower – Joint Borrower – Difference Between
• Identity Theft – Options, Guidance & Support
• Your Data – Being Sold – Not Private
• Soft Inquiries – Maximum Score Preservation – Credit Card Pre-Approvals
• Fraud Alerts – Equifax, TransUnion & Experian
• Urgent Major Purchase – Maximum Score Boost/Preservation Tips
• Risk – Debt Collectors/Buyers May Sue You/Garnish Your $
• Charge Off – Credit Card
• Repossession – Car, Vehicle, Automobile – Options/Strategies Facts
• Raise Your Scores by Rapid Rescore – Mortgage Purchase/Refinance
• What is a Credit Report? How to Read
• Increase Limit – Credit Card(s)
• Mortgage – Car/Vehicle – Co-Borrower Cosignor
• Lates/Late Payments – What You Can Do
• Identify Common Violations by Debt Buyers/Collectors – Are you Eligible to Receive Money?
• Got Calls from Debt Collector(s)/Buyer(s)? – You May be Eligible to Receive $
• $1,000 (for You) if You did Not Receive Letter from Debt Collector/Buyer
• Can They Pull/Access Your Credit? Fair Credit Reporting Act (FCRA) – Impermissible Purpose
• Equifax, TransUnion & Experian – Consumer/Credit Reporting Agencies (CRA’s)
• Build & Improve Credit Scores by Rent – Rental Payment History
• Closed Accounts – Remove From Credit Reports?
• Zombie Debt
• Credit Reporting Agencies Violate Fair Credit Reporting Act (FCRA) During Dispute Process
• Dispute Results: Verified, Meets Requirements or Confirmed – now what?
• Fair Debt Collection Practices Act (FDCPA) – Helpful Against Debt Buyers/Collectors
• Midland Credit Management (MCM) – Midland Funding – Encore Capital Group
• Voluntary Surrender of a Car/Vehicle
• Free Webinar: Legal Basics – Debt Collection Protections for Older Consumers
• Cease and Desist Letters for Phone Calls
• Lenders Not Required by Law to Report Your Payments / Loan
• Fair Credit Reporting Act (FCRA)
• Phantom Debt
• What (Credit Card) Debt is Best to Pay Off First (In Order)? Credit Score Simulator
• Time-Barred Debt – Debt Buyers/Collectors
• Remove Name from Mortgage/Loan
• Letter from Debt Collector/Buyer? – Your Options
• Debt Validation – Powerful – Your Advantage
• UltraFICO™ Score – Improve Your Own Credit Score
• Decline/Denial Letter Project – Your Participation Appreciated
• Authorized User – Remove Your Name from Account
• Statute of Limitations – Helpful Against Debt Buyers/Collectors
• Calculators – Financial – Many Related Options
• How Do I Keep a Good Credit Score?
• List of Helpful Lawyers for Debt, Credit, Calls to your Cell, Bankruptcy & More
• My Credit Card Offers a Different Credit Score Now
• Using a Balance Transfer to Pay Down Debt
• How Medical Bills Impact Your Credit Score
• How is ReCredit Different from Other Companies?
• How Long Can Negative Items Stay on Your Report?
• Equifax Data Breach Details – Updated 9/7/18
• What is a Credit Freeze?
• What to Do if Considering Bankruptcy
• Having Trouble Getting All 3 Credit Reports?
• Tips to Compare/Shop for a Loan/Mortgage/Car
• What to Do if Your Child’s Identity is Stolen
• Will Checking My Credit Score Hurt It?
• How Do I Opt-Out of Offers?
• Good & Bad Credit Card Offers
• What Makes Up Your Credit Scores? FICO® Score
• What is a Public Record / Judgement?
• What Are My Debt Relief Options?
• Know Your Credit Rights
• How Long Does it Take?
• Debt – How does it Impact Credit Scores?
• Closing Credit Cards May Impact Scores
• Fair Debt Collection Practices Act (FDCPA) & Mortgage/Foreclosure Resources
• How ReCredit System/Process Works
• Debt Resources, Options, Legal Rights & Free e Book by Top Rated Lawyer
• Bankruptcy Details, Definitions, Options, FAQ’s and Lawyers
• How Credit/Debt Laws Impact and May Help You
• Federal Student Loan Garnishment – What are your options?
• Tax Matters: Who Can Help ?
• Tips: Negotiate with Original Creditors to Reduce Rates, Payments & Amount Owed
• Bankruptcy – Best Solution for You? Factors to Consider
• I’m Being Sued – Lawsuit Against Me – What to do
• Garnishment – Facts and What to do if it Happens to You
• How to Prepare to See if You’re Eligible to Win ($)
• Can You Win? What May be Done About Debt Collectors/Buyers?
• Charge Offs/Debt Collectors/Buyers Should You Pay or Settle?
• Student Loans, College, or School Debt Options
• Build/Improve Credit Fast After Charge Offs, Foreclosures, etc.
• Fair Credit Billing Act (FCBA) – Protection for you Against Original Creditors
• Why are there Different Credit Scores?
• CreditCheck Total: Alternative – Credit Karma/Equifax aren’t Updating Scores