Over the past several years, there has been a growing trend towards paying American workers with payroll cards. Payroll cards are pre-paid cards issued by employers to employees that can be used at an A.T.M. to withdraw wages. In 2012, approximately 4.5 million American workers received their wages on payroll cards, and the numbers continue […]

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 […]

According to Forbes, In 2012, $34 billion dollars were loaded on 4.6 million payroll cards. By 2017, Forbes projects that  this number will increase to $68.9 billion dollars. Payroll cards are a recent phenomenon increasingly utilized by companies both big and small alike. Payroll cards are an alternative to an employee receiving their salary or wages […]