Everything you need to know about vacating a judgment (and getting it off your credit report!)

Is your credit report relatively clean, except for one big, ugly item that won’t go away – a judgment? It’s a fact of life that some disputes – with landlords, collection agencies and other debtors – sometimes end up with a judgment against you. If that’s the case, we have good news, as it may be possible to have a judgment against you dismissed (called ...

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The business of BIG DATA

Every time you use your smartphone to Google something, every time you tag your location on social media, and definitely every time you buy something online, companies are collecting your data. In fact, most major retail brands, companies, and online sites that sell products or services are carefully “mining” your sensitive personal and financial data, reselling it to third-party data collection companies who then analyze, ...

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Celebrating Black History Month with these 10 pioneers.

February is Black History Month, so we’d like to applaud and celebrate some heroes of the Untied States civil rights movement. Initiated by Carter G. Woodsen in 1921 as only a week, this reverence for African American contribution and culture was placed in February because it marked the birthdays of both Frederick Douglass and Abraham Lincoln. It was later expanded to a full month in ...

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TransUnion and Equifax Forced to Pay For Deceiving Consumers About Paying for Credit Scores and Services

When TransUnion and Equifax got caught for defrauding consumers by urging them to unnecessarily pay for credit scores and products, the Consumer Financial Protection Bureau (CFPB) stepped in to make things right. Now, the CFPB has taken strong action against the credit reporting agencies, forcing them to pay stiff fines as restitution to those they deceived.

In fact, TransUnion and Equifax have been ordered to pay ...

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Mortgage brokers and loan officers: here are 10 ways you can increase a borrower’s credit score in short order (Part 2)

Loan officers and mortgage brokers often see potential home buyers fall a few points short of qualifying when it comes to credit score, but that doesn’t mean they need to be turned away. In fact, there are strategies we can employ to increase a borrower’s credit score by 5, 10, or even 25 points in a short period, allowing ...

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The best tax deductions for Realtors and loan officers.

If you’re a Realtor or loan officer, it probably feels like you spend the lion’s share of your time collecting and organizing other people’s documents. But now that it’s 2017 and April 15 isn’t too far away, it’s time to get your own financial house in order for the IRS.

Considering that most Realtors, loan officers, and brokers are self-employed, that means getting a (hopefully sizable) ...

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