I saw an article by Beyoncé saying she rarely purchases expensive, luxurious gifts with her own money, but flosses the gifts she receives from designers and jewelers. Now granted, Beyoncé’s pickings are a LOT more awesome than ours, but there are freebies everywhere if you
That’s what NFL player Glover Quinn did! Now before you start lamenting “Well he’s an NFL player, OF COURSE he can do that!’ At the time Quinn implemented this budgeting strategy, 30% of his income was roughly $6000 per month,which is $72,000 a year. If
I get a LOT of messages asking how to write debt validation letters. Validation letters are sent to collection agencies to dispute and request proof of both the debt and the collection agency’s legal right to collect on the debt. This is your right under
Repairing your credit takes time, be patient. I had a person in my workshop recently tell me that she mail off letters on the same items every 15 days thinking it would bring her quicker results. The result? The credit bureaus deemed her dispute as
Creditors and insurers may use your credit information as a means of sending you unsolicited offers. These offers will include a toll-free number for you to call if you want to remove your name and address from the lists for two years. However, if you
So, you decided to make payment arrangements with a creditor to avoid going to court and possibly getting a judgment? That’s cool, but don’t think for a second that they won’t proceed with obtaining a judgment against you. Why? Because you are making payments on
Hey Hey! It’s Q & A Friday! Q: I am going through a divorce and my credit is shot. He is not paying the bills that he usually pays and I can’t afford to pay them with my income. Until our divorce is finalized and
Hey Hey! It’s Q & A Friday! Q: Hi Netiva, I opened up a credit card with Capital One as you suggested and I’ve had it for about 6 weeks or so now. The problem is, it’s not showing on any of my credit reports,
Late payments are credit score tankers, especially if they hit the 90+ day past due mark. If you have late payments reporting on your credit reports, ask yourself: Was I notified first? Under the Fair and Accurate Credit Transactions Act, there’s an ‘Early Warning Notice’
Are you only able to make the minimum payment on your credit card? I have a few clients in this situation because they are unemployed and on unemployment compensation, on FMLA, or have obtained employment, but at a lower salary. My advice? Paying on time
