Telemarketers seem to target anyone with an active phone number, and their annoying and untimely solicitation calls are usually as appreciated as a fellow movie-goer chewing popcorn with his mouth open. “I’m not interested” might buy you a month or two of respite, but telemarketers seem to use Arnold Schwarzenegger’s famous catchphrase, “I’ll be bawck…” as […]

It is not uncommon for consumers to be contacted by debt collectors.  Debt collectors can be people or companies that collect debt owed to someone else; sometimes debt collectors actually purchase the past-due debt from the original creditor who made the loan or extended the credit. One way debt collectors try to get repaid is by […]

Most consumers have come to understand that their credit scores are important and affect several areas of their life. Credit scores are used by creditors to make lending and credit extension decisions, employers to make employment offers, and much more. The broad use of your credit scores may not be surprising, but did you know […]

In Part 2 of our series, we covered how to identify and correct inaccurate information on credit reports. In Part 3, we will discuss the businesses that offer these services professionally: credit repair agencies. Overview and Concerns A “credit services organization” (or agency) is defined under Colorado law as, “any person, including a nonprofit organization […]