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Emma Higgins

Credit Repair Expert

Emma has been helping people improve their credit scores for the past ten years. Prior to that, she worked as a credit repair specialist and consultant for several large credit repair firms. She got into the credit repair industry after graduating with a degree in Finance before getting her MBA.

It Emma’s experience in her MBA program that caused her to become interested in helping people repair their credit. She realized how complicated the credit scoring systems are, and the ways that this complexity cause so many people to struggle with their credit scores. As a result, she set out to ensure that people have the best access to helpful, understandable, and actionable information on credit and credit scoring as possible.

Through her articles, she offers valuable advice and tips on credit repair. She understands that each individual has a unique situation so she suggests that a person seeking credit repair must be fully informed of all the available options.

Bad, Good, & Excellent Credit Score Ranges 2020

Bad, Good, & Excellent Credit Score Ranges 2020

Credit scores are extremely important in the modern age. They’re used for everything from approval and interest rates on financial products to home and apartment rentals and job applications. That's why we'll help you understand the different credit score ranges.

Raise Your Credit Score 100 – 200 Points Really Fast

Lots of people have situations where their credit score takes a hit. Many of these people are looking for ways to boost their credit score quickly. This article will help explain how you can boost your credit score.

What Affects Your Credit Score?

Your credit score is one of the most important numbers in your life. Therefore, it’s no surprise that so many people want to know what affects their credit score. The truth is that your credit score is the result of a number of different factors.

Credit Restoration Services

No matter how your credit score was hurt, there’s always a path forward. One of the most common solutions to credit issues is credit restoration, sometimes called credit repair.

Best Way to Dispute Credit Bureau Report & Win

Best Way to Dispute Credit Bureau Report & Win

This article covers the basic facts you need to know about credit reports and credit reporting. It also explains how false information can get on your report. Finally, we’ll explain how to dispute a credit report and win.

How Eviction Can Affect Your Credit Score

Housing is one of the basic necessities of life. However, the price of housing is close to historical highs in many parts of the country. Additionally, wages have remained flat and high-paying jobs are hard to come by. Therefore, more people are worried about eviction than ever before.

Credit Repair and Unemployment

The economic ups and downs of the past few years have caused more people than ever to become curious about unemployment. Whether these individuals are dealing with unemployment or underemployment, or just want to be prepared for the worst, it’s important to realize how your credit is affected by your employment status.

Credit Repair and Renting a New Apartment

Owning a home is getting more expensive all the time. Additionally, people are having a harder time getting a job that produces higher real wages. Therefore, the rental market is booming. However, one barrier to getting the apartment you’ve had your eye on could be your credit score.

Canceled Debt and Taxes – What You Need to Know

Canceled or forgiven debt can be a huge boon to consumers. After all, everyone likes the idea of being released from their obligation to pay. However, one thing that people don’t often consider is that canceled and forgiven debt can count as taxable income.

5 Credit Repair Mistakes to Avoid

Credit scores are incredibly important in the modern age. Credit scores influence many aspects of life, from your monthly bills to your ability to get a job and pay for those bills. Therefore, it’s no surprise that so many people are interested in credit repair.

4 Credit Mistakes First-Time Homebuyers Make

Buying a home is an intimidating process for everyone. However, first-time home buyers are likely to be even more nervous than those who have gone through the process before. As a result, there are a few key mistakes that first-time home buyers make when they are shopping for the first house or first mortgage.

How Does Buying a Home Affect Credit?

Homeownership is a dream that many people have. Buying a home can be the start of the foundation for the rest of your life. However, buying a home comes with many stressful elements. Moreover, a home is a huge expense, and it will influence many aspects of your financial future.

How to Dispute an Error in Your Credit Report

It is always a good idea to request a copy of your credit report on an annual basis to check it for any errors. An error in your credit report could be responsible for keeping you from being approved for a loan or being able to buy a home. Some professions even run a credit check for certification of new applicants, which means that an error in your credit report could keep you from getting a job. Each of the three major credit reporting agencies, Equifax, Experian and TransUnion, are required by the Fair Credit Reporting Act to give you a free copy of your credit file every 12 months upon request. Be careful to only order a credit report through a reputable website or phone number so that you do not give away your personal information to hackers.

How to Negotiate with Creditors

It does not take long at all after falling behind on monthly bill payments for you to start receiving calls from creditors and collections agencies. It is never fun to have to speak with a creditor about the money you owe, but avoiding the situation will only result in more stress and even more complicated financial problems for you. You may be surprised at how you can lighten the burden of some of your major debt by negotiating directly with creditors. While you may not be able to get the entirety of your balance forgiven, creditors are usually willing to entertain a reasonable settlement offer so that they do not have to take a total loss on a debt.

The Truth About Credit

We are aware that we all have a credit report, but we don’t always understand what it all means. For that reason, some myths about credit have been circling around the Internet, and they aren’t exactly accurate. In this article, we will straighten out the mess and find out what is really going on.

Considering Debt Consolidation for Tackling Your Finances

Debt consolidation is a tool for people looking to refinance their personal debt by taking out one loan to combine everything. One way that people do this is to transfer their open credit card balances to a credit card with a lower interest rate. Another option is to take out a home equity line of credit to pay off all of your other loans at once.

The Process of Repairing Your Credit

The list of consequences from having a bad credit score is long and depressing. If you are trying to rent an apartment, buy a house, apply for a loan, get a job or refinance a loan, then your credit score will almost certainly come into play. If your credit score is too low, you may be denied from doing any of those things. In addition, you could pay a much higher interest rate based on having bad credit.

What You Should Know About Credit Repair

What You Should Know About Credit Repair

Your credit score is a gatekeeper for some of your most important life events, such as purchasing a house or financing a car. In order to get access to credit as well as affordable interest rates, it is vital to maintain a good credit score. If you have any negative information reported in your credit file, it can stay there for up to 10 years.

Your Debt Collection Rights Under the FDCPA

You might be getting phone calls from a debt collector if you’ve fallen behind on paying some bills. You could even receive these calls if a bank or lender mistakenly believes that you’re behind on payments. These calls can make a tough financial situation feel even more stressful. The good news is that you have protection against poor debt collection practices. Learn more about the rights that the Fair Debt Collection Practices Act gives you.

What Payments and Accounts Affect My Credit Score?

Credit scores can have a tremendous impact on your life. Banks use them to make nine out of 10 decisions about lending, according to the Dallas Morning News. They affect your access to employment, insurance and housing as well. Consequently, it’s vital to know what financial accounts can increase or reduce your rating.