A debt collector generally is a person or a company that regularly collects debts owed to others, usually when those debts are past due. These include collection agencies or lawyers who collect debts as part of their business. There are also companies that buy past-due debts from creditors and try to collect them.
CREDIT REPORT MISTAKES
Equifax gave out millions of wrong credit scores. From mid-March of 2022 through early April, people applying for mortgages, auto loans and credit cards at major and smaller banks got scores that were off by as much as 20 points in either direction. Often it was enough points to affect interest rates for the loans they … Read More
STORE BRANDED CREDIT CARDS
Don’t be pressured at the checkout line to sign up for a store-branded credit card without knowing exactly what you are getting into. Take your time-do not sign up for a card on the spot. Read the fine print and understand the rates, fees and deadlines with the cards. While retail credit cards typically don’t … Read More
REAL ID
REAL ID will go into effect on May 3, 2023. It will be required at the time to board domestic commercial flights, enter a military base or enter a federal facility that requires ID at the door. Valid US Passports are considered REAL ID. For more information about obtaining REAL ID in Pennsylvania, visit dmv.pa.gov/REALID
UNCLAIMED PROPERTY
One in 10 Pennsylvania residents has money being held by the PA Treasury. It could be something like an old savings account, forgotten paycheck or refund, a stock dividend or an insurance claim. You can check for your name by visiting www.PaTreasury.gov
PROPERTY TAX/RENT REPORT
The deadline to file has been extended to December 31, 2022. To qualify, applicants must earn less than $35,000 per year for homeowners or $15,000 per year for renters. Only HALF of Social Security or Railroad Retirement benefits count toward eligibility.
FREE CREDIT REPORT
Your credit report can have an impact on employment and your ability to buy a home, car or even insurance. Thanks to the Fair Credit Reporting Act, you can receive a free credit report from each of the three national credit reporting agencies. These reports will NOT include your credit score. You may request your … Read More
FIND UNCLAIMED MONEY
A state government may be holding onto funds that belong to you from uncashed checks, inactive bank accounts, insurance policies, safe deposit boxes, rental and utility deposits, rebates or other sources. You can search for yourself or for a family member. Reminder: search under every state you’ve lived in. For Pennsylvania go to patreasury.gov.
BUY-NOW PAY-LATER APPS
Apps such as Affirm, Afterpay and Klara do not require a hard credit check as is needed to apply for credit cards, so they do not appear on credit reports. They generally charge late fees rather than interest. Using these apps will not help credit scores since the apps do not report to the credit … Read More
ADDING A TEEN TO YOUR CAR INSURANCE
The cost of adding a teenager to your car will go up considerably in 2022. This increase will be more than the added cost of any other life event, including getting into and accident of a DUI. Examine your policy carefully with your agent and ask about discounts. Some areas of discounts may include bundling … Read More
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