The Truth of Credit

It’s hard to understand why people are so determined to do absolutely nothing about their debts. No matter how many letters or phone calls are received they are determined they can ride the wave and get through it. There are some that do. Some people are able to hold out for the statue of limitations to run [...]

Credit Repair is not an expertise of mine I have been on a personal odyssey to uncover some truth in this field. While searching Youtube.com I came across a very informative piece which broken down some techniques and strategies regarding the subject.  The one I found the most interesting was the Advanced Credit Profiling Technique.

 ADVANCED CREDIT PROFILING: This is a strategy [...]

We here at TOC have written about the “Cardholder’s Bill of Rights” numerous times over the last few months. Today, we are going to discuss the one issue that without a shadow of doubt needs to go; the Universal Default Clause. The Universal Default Clause works simply like this: If you are late on any bills (i.e. Cable, Auto Mortgage [...]

I know you have heard the radio commercials offering promises of “freedom from debt in 36 months” etc… My favorite part is when they claim to know the “SECRET” the credit card companies don’t want you to hear. So here it is, the big secret, the one that has made an entire industry of Debt Settlement companies. [...]

Believe me, the Collection Agencies are well aware that you will be getting your stimulus check. They have the breakdown by date and are updated with the Fed’s delay on some checks. So how will you spend your check? To pay down a credit card? Now, obviously paying down your debt is certainly a wise choice but for some [...]