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The Right Way to Build Your Credit

If you follow a few sure-fire steps, you can build your credit enough to buy your own house or your own car. Here are five steps to take to get your credit where it needs to be.

Collection Accounts - You Are Looking in the Wrong Direction

There is not a lot that hurts your finances more than having collectors calling and collection accounts on your credit report. However, chasing those accounts may not be the best use of your time.

CFPB Issues Statement On Penalties Against Two Debt Collection Agencies

Two of the largest collections agencies receive multi-million dollar penalties due to their use of abusive, unfair and deceptive practices to collect debts.

FTC Launches New, Multilingual Resource for Identity Theft Victims

New resources for people impacted by identity theft.

Why a Debt Validation Letter May be Exactly What Debt Collectors Want

The idea is great, ask a debt collector for proof you owe a debt and if they cannot produce it, you do not have to pay. However, the reality of using this tactic may yield very different results.

Quick Poll - Tell AFS What You Want to Hear

What financial topic(s) would you read about in our blog?

Three Examples of Why You Should Check Your Credit Report

We see the commercials telling us to check our credit reports, but many people do not. Here are three examples of why we should take the time to get our reports.

How Honest is that Credit Card Comparison Site

As you watch television, surf the Internet and flip through your favorite magazine, you will undoubtedly see companies advertising that they can show you the best deals in plastic - credit - for you to consider. There are a few reasons to hesitate from relying too much on information that looks like it’s coming from a neutral source. The main one is because the source might not be neutral at all.

Wonderful Testimonial Note from a Client!

How do you know debt solutions are working? Notes like these.

Time and Debt Repayment Still the Best Strategy for Increasing a Credit Score

Some of you might be rejoicing a bit because of news that the chief credit scoring outfit, FICO, is changing its rules about how it scores debtors. The main change is that the new system will draw a distinction between medical debt and regular debt. The other big change is the new system will disregard medical collection accounts if they are paid or settled.

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