Kat Kally

Consumer Rights-Credit Reporting and Debt Collection Laws

Consumers should be aware of their rights when it comes to fair credit reporting and debt collection. For example, did you know that you can sue debt collectors and credit reporting agencies if their conduct falls outside of acceptable business practices?... Read >

Foreclosure and Credit Scores

Foreclosure is the legal process that terminates a homeowner’s rights and gives possession of the property to the mortgage lender. Foreclosure is a consequence of a homeowner defaulting on their mortgage loan--not paying the monthly mortgage payment in ac... Read >

How to Dispute Wrong Credit Report Information

Dispute incorrect and outdated information listed in your credit file and raise your credit score. Did you know that judgments, charge-offs, late payments and other negative items can be removed after seven years? Did you know bankruptcies can be removed ... Read >

Explanation of Credit Scores

You cannot escape the fact that credit scores are one of the most, if not the most, important number in your life. Credit scores typically range from 350 to 800, but new models range up to 900. People with scores in excess of 750 receive the best interest... Read >

Ways to Rebuild your Credit Score

If your credit rating has taken a hit due to a judgment, foreclosure, bankruptcy or charge-offs, you can rebuild it without professional help. Credit scores are snapshots of your current financial situation. They change over time based on the information ... Read >