Card Rebate

If you received a statement from a creditor for a product or service you never purchased or subscribed to, it’s important to take action immediately. If the debt was incurred through misrepresentation or by fraud, you’re not legally liable for it. State and Federal laws ban businesses from cheating or deceiving consumers. Specific laws described as unfair and deceptive acts and practices (UDAP) have been enacted to protect consumers. These regulations apply to most privately owned businesses.

If you believe you’re a victim of misrepresentation or fraud, you need to take immediate action to stop it. If you discover violations of the unfair and deceptive acts and practices (UDAP) laws, you can use this information as part of your defense should the collection agency or creditor file a lawsuit against you.

Your credit score is composed of a combination of three digits which can wield enough power to impact the financial direction of your life. If you have the unfortunate luck of living with a rock bottom score, you’re probably throwing away hundreds to thousands of dollars towards outrageous interest fees over time. If you’re living with a depressed score, it will be nearly impossible to find a lender willing to make you a loan.

In current times, it has become the norm for landlords to demand credit checks even when you are just looking to rent rather than buy. This is to give them a sense of security with regard to your ability to pay on time.

Working with a mortgage broker can often be the best way to get a loan that suits your needs. Securing a mortgage can often be a confusing process, since there are so many different options to consider.