When spouses apply for loans together, data from both spouses may be taken into consideration. When couples apply for a mortgage, lenders may pull credit scores for both spouses from all three credit bureaus- Equifax, Experian and Transunion. They will use a formula mixing the scores to decide on the interest rate. For other loans, … Read More
Changes To How Medical Debt Is Reported On Credit Reports
The biggest credit reporting firms will remove medical debt from consumers’ credit reports. Beginning in July, 29222 the companies will remove medical debt that was PAID after sent to collections New UNPAID medical debts will not get added to credit reports for a full year after being send to collections. The firms are also planning … Read More
KNOW YOUR RIGHTS IF YOU ARE CONTACTED BY A DEBT COLLECTOR
Under new rules, debt collectors can now contact you by email, text messages and social media, in addition to phone calls and mail. They must identify themselves and any messages they send must be private. In other words, they cannot report your debt on Facebook or Twitter. Under the new laws, debt collectors cannot attempt to contact … Read More
A NEW BAN ON SURPRISE MEDICAL BILLS STARTS THIS WEEK
For years, millions of Americans with medical emergencies could receive another nasty surprise: a bill from a doctor they did not choose and who did not accept their insurance. A law that goes into effect Saturday will make many such bills illegal. If you are having a medical emergency and go to an urgent care … Read More
DOCUMENTS TO SHRED
In order to protect your privacy and personally identifiable information, there are certain documents you should shred. These documents include prescription labels that give your name, the drug’s name and dosage and pharmacy. Also, make sure to shred pet medical papers that show the pet’s name-which many people use as a password.
BREAKING NEWS-CANCELED STUDENT LOANS
Pennsylvania will no longer impose state income taxes on public sector workers and nurses who receive student loan forgiveness from two major programs. If you participate in the federal Public Service Loan Forgiveness Program or the Pennsylvania Student Loan Relief for Nurses Program, Pennsylvania will not impose state income taxes on the amount of loan … Read More
Should I Use A Credit Repair Firm To Fix My Credit Report?
The sooner you respond to an error on the credit report, the better. The longer the error sits on your credit report, the harder it can be to untangle. It is very important to determine if there is actually an error on the credit report. Only inaccurate information should be fixed. If you have had … Read More
Uh Oh, There Are Errors On My Credit Report
Your credit can be permanently ruined by errors on the credit report. Something that seems small, such as a payment incorrectly reported as late or missing can make a big difference in your ability to the best possible rates on financial products like home and car loans. It is very important to try to fix … Read More
Credit Score
The FICO credit score is a three digit number that for years has been used by lenders to evaluate credit card, auto loan and mortgage applicants. The higher the score can mean bigger loans and lower interest rates. FICO scores rage from 300 to 850. The scores are calculated using the information in people’s credit … Read More
Here’s how saying “I do” can affect a couple’s tax situation
The arrival of summer is also the start of wedding season. Marriage changes many things and taxes is one of them. Newlyweds should know how tying the knot can affect their tax situation. Here’s a tax checklist for newly married couples: Name and address changes Name. When a name changes through marriage, it is important to … Read More
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