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Category Archives: Credit Repair

Bank9

The Perils Of Renting An Apartment When Your Credit Score Is Low

By Nowack & Olson, PLLC |

These days, complaining about how your credit score does not enable you to qualify for a mortgage loan sounds like a humblebrag.  If your credit score is high enough to pass muster with the landlords of reputable rental properties, then you are in a better financial position than most people.  A low credit score… Read More »

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CoupleBudget

Can You Boost Your Credit Score By Paying Your Utility Bills On Time?

By Nowack & Olson, PLLC |

Watching your debts get bigger every month, even though you spend every waking moment on work and gigs is incredibly stressful and frustrating, but just breaking even each month brings its own kind of discouragement.  Just barely being able to pay your bills each month is a lot better than not being able to… Read More »

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CreditR

What Is The Difference Between Credit Counseling And Credit Repair?

By Nowack & Olson, PLLC |

Improving your credit score and paying down your debts go together, but they are two separate personal finance goals.  Some people are trying to improve their credit scores so they can get out of debt, while others are trying to pay down their debts in order to improve their credit scores.  In the latter… Read More »

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CreditReport

Freezing And Unfreezing Your Credit Report

By Nowack & Olson, PLLC |

Monitoring your credit score can be stressful, especially if it is getting lower, or if it is not increasing as quickly as you would hope.  Even worse, requesting credit reports too frequently can adversely affect your credit score, so the best-case scenario is just to live with the uncertainty of only finding out whether… Read More »

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CreditRepair

Good News About Medical Debt And Credit Reports

By Nowack & Olson, PLLC |

Paying down debt feels great, but it is discouraging when, after you make the last payment on your payment plan from your emergency room visit, your application for a car loan still gets denied?  Most debts stay on your credit report for seven years, even if you were just a little bit late paying… Read More »

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Bank7

Beware Of Credit Repair Scams

By Nowack & Olson, PLLC |

It is possible to get out of debt, but there are no quick fixes.  Most of us are stuck in a situation where, even though we work day and night and live modestly, we barely have enough money to keep up with the payments on our debts, and with big debts like student loans,… Read More »

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CreditRepair2

What Is A FICO Score, And Why Is It So Important?

By Nowack & Olson, PLLC |

FICO stands for Fair Isaac Corporation, and it is a software analytics company that calculates borrowers’ credit score to determine their credit worthiness, and lenders in turn use loan applicants’ FICO scores to determine whether to extend loans to these applicants.  Just as Google updates its algorithms every so often in order to provide… Read More »

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MoneyCreditCard

Credit Card Limit Increases: What Could Possibly Go Wrong?

By Nowack & Olson, PLLC |

Getting an offer for a credit limit increase on your credit card feels like a win, especially if you are trying to rebuild your credit after a bankruptcy filing or another serious struggle with debt.  Your instinct might be to jump at every opportunity to increase your credit limit; after all, an increase in… Read More »

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CouplePlanning

You Can Get A Home Mortgage With Lackluster Credit, But Should You?

By Nowack & Olson, PLLC |

Owning a house gives homeowners a feeling of financial stability, even if they must contribute a large portion of their income each month toward mortgage payments.  Unfortunately, most people in our society live paycheck to paycheck, and home ownership remains elusive.  The good news is that it is possible to qualify for a home… Read More »

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MoneyGavel

The 609 Loophole: Myth Or Reality?

By Nowack & Olson, PLLC |

Schoolchildren in South Florida have been known to circulate a rumor to the effect that, if you say “Bloody Mary” to your reflection in the mirror three times in a dark room, a vengeful ghost by that name will appear and commit horrific acts.  Anyone who has tried to do this found that the… Read More »

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