Carreon and Associates Credit Repair Blog:

Credit Repair Tips :  Getting credit after a bankruptcy - having a bankruptcy on your credit isnt the end of the world – especially if you are already affected by charge offs, collection accounts or levies. How to pay a debt collector the right way - there’s a right way and a wrong way to pay a [...]

Credit Repair Tips

Carreon and Associates Credit Repair Blog:

How many times do you see people bragging on their Facebook or Twitter profiles about a new car, new job or linking out to all their relatives? It’s social so of course, people are social — but those who owe debt collectors may be giving personal details that enable collectors to find them & their [...]

Social Media Could Be Detrimental To Debtors

Carreon and Associates Credit Repair Blog:

dealing with expired debts (statute of limitations) and collection agencies.

Time Barred Debts Should Be Law

Carreon and Associates Credit Repair Blog:

Student Loan Debt Burden  From: Top Colleges Online; About this Student Loan Infograph At Top Colleges Online, we believe that education is important but that the cost of education and the large amounts of debt that most students take on are major problems. To highlight the problem we designed an infographic titled The Walking Debt, to [...]

Student Loan Debt Burden [infographic]

Carreon and Associates Credit Repair Blog:

Making a partial payment on a debt, even making a written promise to pay may extend the clock to legally enforce the debt. Did you read that? We sure hope so because a large majority of people in the United States have no idea that debts expire. DEBTS DO EXPIRE. A bill collector may contact [...]

Time Barred Debts – What You Need To Know

Carreon and Associates Credit Repair Blog:

What’s worse than preying on people with bad credit? Probably preying on our service members. Some companies try to lure in military service members for what they claim are special rates or loans, but in truth, it’s really preying on their needs or belief of special offers because of their military status. For military service [...]

Military Financial Protection – Military Lending Act

Carreon and Associates Credit Repair Blog:

A Chapter 7 bankruptcy is often referred to as a straight BK because you normally have no assets to speak of or do not qualify for a payback plan like you see under a chapter 13. People who file for chapter 7 bankruptcy usually claim all debts in the proceeding and walk away clean. A [...]

What Happens to a Deficiency Balance in a Chapter 7 Bankruptcy

Carreon and Associates Credit Repair Blog:

catastrophic language breeds catastrophic results.  That quote says a lot. The impact of words stream onto our credit reports and has catastrophic results. One of the reasons that “credit bureau mistakes” is such a hot topic button is because of their impact on people’s lives. No one would blink an eye if the result of a negative credit history [...]

Negative Credit History – Catastrophic Results

Carreon and Associates Credit Repair Blog:

Happy New Score! 2012 is your year to have better credit In these tough economic times, its harder than ever to get favorable credit terms. A blemish here or there is just enough to make potential creditors worry that you may be too much of a risk. For 2012 a new plan could be just [...]

Your 2012 Credit Repair Plan – Be Diverse

Carreon and Associates Credit Repair Blog:

Thanks to a ruling from the U.S. Supreme Court, credit card disputes between lenders and consumers can no longer be settled in court. The ruling, reported today by Credit.com is worrisome to credit card carriers because it further enforces the arbitration clause so many of us already dread. Over the recent years, credit card companies [...]

Court No Longer An Option For Credit Card Disputes