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Author: hayscauley

Five ways to prevent identity theft

Identity theft is one of the most lucrative and common crimes in South Carolina. The consequences can be severe. Victims must deal with the trauma and the potential financial harm. For example, a bad credit score could prevent anyone from getting credit.  Every day, hundreds of Americans receive phishing emails and other online frauds. Hackers […]

Have you been falsely reported deceased on your credit report?

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Steps To Take After Being Victimized by Identity Theft

Errors on your credit report can have a tremendous impact on your life. You might be denied employment, incur higher interest rates on loans, and be iced out from the credit you need to buy a home or a car. Therefore, it’s critically important that you regularly review your credit report so that you catch […]

How To Respond To A Credit Card Lawsuit

Most of us have debt of some sort and in today’s world one unexpected event could suddenly cause your debt to become unmanageable. A sudden illness or injury might result in overwhelming medical debt or the loss of a job could leave you without money to pay the bills. Many people turn to credit cards […]

Fix These Common Mistakes Seen On Credit Reports

Your credit score and your credit report can have a significant impact on your life. While they can certainly restrict your access to much needed credit and dictate the interest rates that you’ll see when you do borrow, which can cost you thousands upon thousands of dollars, they may also leave you susceptible to creditor […]

Impact Of Identity Theft On Credit Score

Your personal and financial information should belong to you and you alone. Unfortunately, however, many South Carolina residents discover that their information has been stolen and used without their consent. In addition to emotional trauma, victims of identity theft may suffer long-term financial consequences because of this wrongdoing. For example, you may find that your credit score has been […]

Have You Been Falsely Reported Deceased On Your Credit Report

Legend has it Mark Twain once famously remarked, “Reports of my death have been greatly exaggerated,” in response to newspaper reports that he had passed away. Whether Twain actually said that or something similar, it shows how much things have changed since his day. In 2023, being incorrectly reported deceased is no laughing matter. It […]

Consumers Impacted By Credit Score Mistakes Have Options

Across South Carolina, people need to have credit to function personally and professionally. When their credit score is misreported, it is not a minor problem. It must be handled immediately. The ramifications of a poor credit score can impact every aspect of a person’s financial life. Simply paying debts on time and keeping credit balances […]

How You’re Protected From Harassing Debt Collection Practices

No one feels comfortable owing a debt that they can’t repay. Yet, millions of Americans find themselves in that situation every day. Although you would hope that your creditors would be understanding of your financial difficulties, the sad reality is that they’re probably going to be more aggressive about collecting your debt than you expected. […]