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Category Archives: Credit Repair

BNPL

If Only Buy Now Pay Later Helped Your Credit Score

By Nowack & Olson, PLLC |

They say that necessity is the mother of invention, and the financial hardships brought on by the COVID-19 pandemic and its aftermath have led consumers and businesses to get creative with ways to stay financially solvent.  Buy Now Pay Later (BNPL) services have increased their popularity exponentially over the past several years.  BNPL allows… Read More »

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CreditRepair

Repairing Your Credit After A Military Scam

By Nowack & Olson, PLLC |

In the long term, joining the military is a wise financial investment.  When you retire from a military career, you have access to a pension, but you are also young and healthy enough to look forward to a long professional career as a civilian, and your experiences in the Armed Forces will have enabled… Read More »

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BankruptcyQuestions

What Is The Difference Between Co-Signing And Adding An Authorized User?

By Nowack & Olson, PLLC |

Many consumers consider it a priority to improve their credit scores, since this enables them to qualify for loans and increase the credit limit on their credit cards.  Credit repair companies offer to use a variety of tactics to boost your credit score quickly.  If they are only using legitimate means, then all of… Read More »

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Bankruptcy21

Consumer Financial Protection Bureau Urges Credit Reporting Agencies To Fix Errors On Consumers’ Credit Reports Promptly

By Nowack & Olson, PLLC |

Anyone who has been in debt for a while, which is almost everyone two-and-a-half years after the COVID-19 pandemic first arrived in Florida, has seen advertisements by companies that promise to improve your credit score quickly for a price.  While some of these are outright scams, others can genuinely give your credit score a… Read More »

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CreditCard

Credit Karma Agrees To $3 Million Settlement Over Deceptive “Pre-Approved” Credit Card Offers

By Nowack & Olson, PLLC |

It isn’t just your imagination that a big part of your debt problem is not due to lack of discipline over your spending or to you not working hard enough but to policies that make it difficult for all except the wealthiest of working people to access affordable financial products.  You might be doing… Read More »

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CreditCards3

Can Second Chance Credit Cards Help You Rebuild Your Credit?

By Nowack & Olson, PLLC |

Filing for bankruptcy can lower your credit score, but not everyone who has trouble qualifying for credit cards has a history of bankruptcy filings.  The more common problem is that it is hard to get started building your credit, especially in an economy where most people who work full-time live paycheck to paycheck.  To… Read More »

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DebtHelp

Second Chance Banking Can Help You Rebuild Your Finances

By Nowack & Olson, PLLC |

Your credit card has a low credit limit?  Your auto loan has a high interest rate?  Your credit score hasn’t budged even though you have been making payments on time, even though you have been making all the payments on your buy now pay later (BNPL) purchases for more than a year?  Those all… Read More »

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Calculating2

3 Hard Truths About Credit Repair

By Nowack & Olson, PLLC |

Numbers are convenient for setting goals.  Perhaps you want the scale to read a certain number by this time next year, you want to walk a certain number of steps each day, or you want to save a certain amount of money in an emergency fund.  Those numbers don’t tell the whole story, though. … Read More »

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CreditReport2

Does Your Income Affect Your Credit Score?

By Nowack & Olson, PLLC |

Credit scores are stubborn and enigmatic things.  As soon as you miss a payment on a credit card or buy now pay later (BNPL) installment plan, your credit score gets lower.  Meanwhile, when you have been paying your rent, utilities, and BNPL payments on time, your credit score does not budge?  This can only… Read More »

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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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