RMAi Blog

AUGUST 14, 2024

First Credit Union v. Seventh Circuit Rejects Consumer’s FCRA and FDCPA Claims Arising from Post-Bankruptcy Collection and Reporting Freeman v. The consumer filed for bankruptcy and eventually cured her pre-petition mortgage default through her bankruptcy plan payments. T-Mobile USA, Inc., 23-1952, 2024 U.S.

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Electronic Funds Transfer Credit and Collections Bankruptcy Law Firms 130

CreditStrong for Business

AUGUST 20, 2024

Filing for bankruptcy sets your credit score back significantly, but you can usually begin to recover within a few months and make meaningful progress within a year. Within two years, your credit score could be even better than before you filed. Filing for bankruptcy is a serious setback, but it’s not insurmountable.

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Credit Scoring Bankruptcy Chapter 7 Credit Reporting Agencies 52

Due

APRIL 2, 2024

Life’s uncertainties—job loss, emergencies, foreclosures, bankruptcies—can severely damage credit. With a commitment to bouncing back, discipline, careful planning, concrete goals, and strategic choices, it is possible to recover from financial troubles and rebuild your credit status.

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Credit Scoring Bankruptcy Credit and Collections Chapter 7 72

CreditStrong for Business

AUGUST 2, 2024

Inaccurate Information on Your Credit Report Consumers should regularly check their current credit bureau reports to assess their overall credit rating and look for any potential errors. Each credit reporting agency will provide you a free copy of your credit report that allows for reviewing your credit history.

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Credit Scoring Bankruptcy Credit and Collections Third Party Collections 52

CreditStrong for Business

JULY 15, 2022

Without any credit history, you don’t fall into any credit range. You’re credit invisible. It wouldn’t be fair at all to lump people who have made no mistakes in with those who have a low credit score because they declared bankruptcy. Most modern credit scoring methods bottom out at 350.

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Credit Scoring Credit Unions Credit Reporting Agencies Credit Card Companies 52

Due

OCTOBER 23, 2023

Also, if you pay your credit card bill regularly, your balance/utilization ratio may decrease. An individual’s credit utilization ratio indicates what percentage of their total available credit they are currently using. Bankruptcy counseling. You can also get free credit counseling through your credit union.

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Credit and Collections Credit Scoring Bankruptcy Credit Card Payments 52