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Protect Yourself By Knowing the Law

Before you decide to challenge an erroneous debt charge you know the proper procedures

  • 1 February 2016
  • Author: Wil Coombs
  • Number of views: 258
  • 0 Comments

THE LATEST NEWS ON CREDIT SCORING

Big News!! The congress is looking to expand the formula for credit scoring

  • 12 January 2016
  • Author: Wil Coombs
  • Number of views: 251
  • 0 Comments
Currently, the only time a utility bill or a rent payment appears on your credit report is when you are late.  Why? It costs money.  Posting what the industry calls a”trade line” on a credit report is expensive.  It is a major source of income for the three credit bureaus, all of whom are muti-billion dollar corporations.

YOU MAY HAVE A FRIEND IN THE FEDERAL TRADE COMMISSION

If you feel you have been scammed the FTC may be able to help

  • 5 January 2016
  • Author: Wil Coombs
  • Number of views: 269
  • 0 Comments

In my many years of working in and around government I have been continually frustrated with the maze of bureaucracy and its constant growth.  When I look at how many State and Federal agencies are listed in the various directories I often wonder how and why they were conceived and what the people who work there actually do!!

One exception to that disjointed chaos is the Federal Trade Commission.

DO YOU HAVE CONTROL OVER YOUR CREDIT??

MANAGING YOUR FAMILY FINANCES AND CREDIT YOUR SCORE

  • 11 December 2015
  • Author: Wil Coombs
  • Number of views: 255
  • 0 Comments
Your credit profile is designed to be a measure of your credit worthiness. 

However, it is just as much a measure of your continuing relationship with the major financial institutions as well as your non financial creditors.

OH!! THOSE UNPAID MEDICAL BILLS

IF YOU HAVE MEDICAL INSURANCE WITH AND HMO BE CAREFUL

  • 1 December 2015
  • Author: Wil Coombs
  • Number of views: 250
  • 0 Comments
This was not the first incident I had encountered where an HMO was involved.  They are notorious for refusing to pay certain medical costs for a number of reasons, the most common reason being not getting prior approval from them before a procedure is performed. 
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