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When your debt exceeds your income, bankruptcy may be the best solution for you.
Most people have errors on their credit report. We can remove inaccurate items on your credit report.
Most people overlook the importance of life insurance. Life insurance is the most precious gift you can give your family.- Suze Orman
STUDENT LOAN DEBT
Statistics 2019: A
$1.5 Trillion Crisis
The latest student loan debt statistics for 2019 show how serious the student loan debt crisis has become for borrowers across all demographics and age groups. There are more than 44 million borrowers who collectively owe $1.5 trillion in student loan debt in the U.S. alone. Student loan debt is now the second highest consumer debt category - behind only mortgage debt - and higher than both credit cards and auto loans. Borrowers in the Class of 2017, on average, owe $28,650, according to the Institute for College Access and Success.
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How Does A Late Payment Effect Your Credit?
There’s no bigger single factor affecting your credit score than on-time payments, so missing a payment will sting. If you have otherwise spotless credit and a good score, a late payment can knock as much as 100 points off your credit score. If your score is already low, it won’t hurt it as much but still does damage. By federal law, a late payment cannot be reported to the credit bureaus until it is at least 30 days past due. So an overlooked bill won’t hurt your credit as long as you pay before the 30-day mark. A late payment can remain on your credit report for up to seven years. If you fall in the habit of paying late, your account could be charged off or sent to collections, which could further dent your credit score. In addition to lowering your credit score, a late payment could also cost you more money by having to pay late fees and higher interest rates.
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OFFERING THE BEST SERVICES TO HELP YOU ACHIEVE FINANCIAL FREEDOM
We are a team of professionals dedicated to helping people understand credit and how to use it to build and repair their credit. We believe that with education, dedication, persistence, and a financial plan everyone can have the financial freedom they deserve.
Our customers are our top priority. You can reach us by phone, email or schedule an office visit.
Our fees are reasonable and competitive. Credit restoration does not have to cost you an arm and a leg.
Our services are highly professional and customized to fit each individual and their financial needs.