Aug 23, 2017

Ohio Consumers should know that Debt Collectors Who Ask for the Wrong Amount may be in Violation of the Fair Debt Collection Practices Act

August 23rd, 2017|CFPB, Credit, Credit Repair, Credit Repair Lawyer, Credit Report, Credit Score, Debt, Debt Collection, Debt Collectors, FDCPA, Free Credit Repair, OH, Ohio|

Ohio consumers may feel like they’re at a disadvantage when dealing with debt collectors, but they may have more leverage than they realize. The Fair Debt Collections Practices Act (FDCPA) is a federal statute that regulates debt collection agencies. So it’s important for Ohio residents who have debt in collections [...]

Aug 21, 2017

Hope for Ohio Consumers Dealing with Abusive Debt Collectors

August 21st, 2017|Credit, Credit Repair, Credit Repair Lawyer, Credit Report, Credit Score, Debt, Debt Collection, Debt Collectors, FDCPA, Free Credit Repair, Free Credit Repair Lawyer, OH, Ohio|

Ohio consumers dealing with abusive debt collectors are not alone in their frustration. Throughout the country, consumers are routinely threatened, lied to, and hounded by law-breaking debt collectors. Luckily, though, attorneys general and other leaders are cracking down on debt collectors that violate the Fair Debt Collection Practices Act (FDCPA). [...]

Aug 16, 2017

What Ohio Consumers should do if they Lose their Social Security Cards

August 16th, 2017|Credit, Credit Repair, Credit Repair Lawyer, Credit Report, Free Credit Repair, Free Credit Repair Lawyer, Identity Theft, OH, Ohio, Social Security Cards, SSN|

Most Ohio consumers probably don’t give too much thought to their Social Security Cards – until they lose them. Then, knowing what everyone knows about the threat of identity theft, panic sets in. It’s absolutely true that your Social Security number is the key to your identity. Unfortunately, in the [...]

Aug 9, 2017

The Importance of Credit Repair after Bankruptcy in Ohio

August 9th, 2017|Bankruptcy, Credit, Credit Repair, Credit Repair Lawyer, Credit Report, Credit Score, Debt, Discharged Debt, FCRA, Free Credit Repair, Free Credit Repair Lawyer, OH, Ohio|

According to a recent report, bankruptcies in Ohio are on the rise. This is notable because, in the past seven years, the number of bankruptcy cases filed in Ohio has declined. Experts blame long term, high-interest rate auto loans and medical debt for the higher bankruptcy rates. Whatever the case [...]

Aug 3, 2017

Should Ohio Consumers Rely on Free Credit Scores all the Time?

August 3rd, 2017|Credit, Credit Repair, Credit Repair Lawyer, Credit Report, Credit Score, FICO, Free Credit Repair, Free Credit Repair Lawyer, Free Credit Scores, OH, Ohio|

Several years ago, there was no such thing as a free credit score. In order to view their credit scores, Ohio consumers had to pay a fee – each and every time. Now, there are dozens of websites offering free credit scores. Does this mean that Ohioans never have to [...]

Jul 27, 2017

Ohio Consumers Looking to get Better Interest Rates on Loans and Cheaper Car Insurance should Check their Credit Reports for Errors

July 27th, 2017|Car Insurance, Credit, Credit Repair, Credit Repair Lawyer, Credit Report, Credit Score, FCRA, Free Credit Repair, Free Credit Repair Lawyer, Interest Rates, OH, Ohio|

Information contained in your credit reports is reflected in your credit score. Ohio consumers with lower credit scores typically pay higher interest rates and more for insurance coverage. For this reason, the Federal Trade Commission (FTC) recommends that Ohioans check their credit reports every 12 months. It’s important to make [...]

Jul 21, 2017

Why Ohio Consumers should Think Twice before Making Large Purchases with Deferred Interest Credit Cards

July 21st, 2017|CFPB, Credit, Credit Cards, Credit Repair, Credit Repair Lawyer, Credit Report, Credit Score, Free Credit Repair, Free Credit Repair Lawyer, OH, Ohio|

Deferred interest credit cards have recently attracted the attention of the Consumer Financial Protection Bureau (CFPB). The consumer watchdog organization wants to put card users on high alert about how the terms of these credit cards are misleading. Ohio consumers who finance a large purchase with a deferred interest credit [...]

Jul 20, 2017

How Ohio College Students can Avoid Ruining their Credit Scores before and after Graduation

July 20th, 2017|College, Credit, Credit Repair, Credit Repair Lawyer, Credit Report, Credit Score, Free Credit Repair, Free Credit Repair Lawyer, Identity Theft, OH, Ohio, Students|

Are you a student at Ohio State University, the University of Cincinnati, Sinclair Community College, or one of the other excellent schools in the Buckeye State? If so, there’s a good chance that you’ve over-drafted your checking account or been late with a credit card bill at least once. That is, if the results of a recent study conducted by personal finance site NerdWallet are accurate. Unfortunately, if you’re a repeat offender, all of these overdraft fees and late payment penalties can add up. […]

Jul 14, 2017

Why NOW is a Good Time for Ohio Consumers to get Familiar with their Credit Scores

July 14th, 2017|Credit, Credit Bureaus, Credit Repair, Credit Repair Lawyer, Credit Report, Credit Score, FICO Score, Free Credit Repair, Free Credit Repair Lawyer, Good Credit, OH, Ohio|

Overall, Ohio credit scores are better than they’ve been in a long time. Nationwide, the average credit score is about 700. This is ten points higher than it was in 2006 (before the Recession). In the Buckeye state, jobs are opening up, and more consumers are paying their bills on [...]

Jul 7, 2017

How Ohio Consumers can Take Advantage of New Credit Reporting Rules

July 7th, 2017|Credit, Credit Bureaus, Credit Repair, Credit Repair Lawyer, Credit Report, Credit Score, Free Credit Repair, Free Credit Repair Lawyer, Judgments, OH, Ohio, Tax Liens|

New credit reporting rules have started to take effect. Because of these changes, about one in five Ohio consumers should see their credit scores jump by fall of 2017. This means that if you’ve never checked your credit score or credit reports, now is a good time to start. To [...]