Your Repossession Rights

Your Repossession Rights

Texas Credit Fix wants you to know your rights. When your car is seized by the creditor, what are your rights Dealing with the creditor after the “repossession” (reselling the car) Your credit reports affected by the repo Repossession laws by state & more FAQ about a repo It’s a bad day when your car gets repossessed. Ending your work day by discovering the repo […]

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When Debt Settlement is the Smart Thing to Do

When Debt Settlement is the Smart Thing to Do

Before you make any big decisions like hiring a debt settlement company to attempt to settle your debts, it’s important that you understand how it works, what you’re getting into, and the other options you may have. Debt settlement can have a big impact on your personal finances let’s talk about when debt settlement is a smart decision and when perhaps it’s not. How Debt […]

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How Many Credit Reports Do You Have and Which One Matters Most?

How Many Credit Reports Do You Have and Which One Matters Most?

By now you know that it’s a smart move to regularly review your credit report. You might wonder, though, which credit report is the best one to review or which one a creditor (or employer, or landlord) will see. You have many different credit reports In the U.S. there are three major consumer credit reporting agencies. They are Equifax, Experian and TransUnion. They each maintain […]

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Statute of limitations

Statute of limitations

Bill collectors hounding you? Considering repaying or negotiating an old debt? The statute of limitations on bills, often referred to as tolling of time is a powerful tool for consumers. The SOL can thwart off lawsuits and collectors when attempting to collect or sue on dusty old debts. If a debt is legally expired, you can escape being sued or having to pay it back. […]

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How lenders use FICO® Scores

How lenders use FICO® Scores

90% of top U.S. lenders use FICO® Scores when making lending decisions When you apply for credit—whether it’s for a credit card, car loan, mortgage or other type of credit—lenders will want to know your credit risk. That is, they’ll want to know how likely you are to pay back your credit obligations as agreed. To help them understand your credit risk, lenders use FICO Scores. […]

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Credit Scores

Credit Scores

Ever wonder how a lender decides whether to grant you  credit? For years,  creditors have been using  credit scoring systems to determine if you’d be a good risk for  credit cards, auto loans, and mortgages. These days, other types of businesses — including auto and homeowners insurance companies and phone companies — are using  credit scores to decide whether to issue you a policy or […]

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