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Archive for the ‘Blog’ Category

4 Crucial Reasons Couples Should Have Separate Credit

May 28th, 2015 by Jason M. Kaplan, Esq.

When you and your partner decide to move in together or get married, it’s an obvious sign of wanting to cooperate and be one rather than two individuals. Naturally, this need to bond and be a single entity extends to finance as well. Most couples think it is wise to not only merge their accounts, [Read More]

2 Million Medical Identity Theft Cases Reported in the Last Year

May 13th, 2015 by Jason M. Kaplan, Esq.

According to recent studies, medical identity theft has been increasing at an alarming rate. In 2014 alone, a total of up to 2 million cases were reported. The figure was an increase of 22% as one and a half a million cases were reported in 2013.   The figures portray a rather bleak picture; ever [Read More]

Bank of America and JP Morgan Chase Eliminate Debts from Credit Reports

May 11th, 2015 by Jason M. Kaplan, Esq.

In a move that will surely ease the woes of almost a million citizens around America, two of the country’s largest banks have finally decided to eliminate debts from credit reports within the next three months. The debts, although legally void once the banks went bankrupt, were a suffering for many causing all sorts of [Read More]

The Credit Pros Release New Data from CFPB Report

May 7th, 2015 by Jason M. Kaplan, Esq.

  A new report from Consumer Financial Protection Bureau (CFPB) exposes a growing problem in America, especially among minority groups.   To Read the full article and report please follow this link: http://www.prlog.org/12453768-the-credit-pros-release-new-data-from-cfpb-report.html

The Role of the Credit Bureaus in the United States

May 4th, 2015 by Jason M. Kaplan, Esq.

From the pawn shops run by the average citizen back in the day, Credit Bureaus have now evolved to National entities with an immense amount of data saved in their databases. Back in the day, shop owners were eager to find out whether they could safely loan out an amount or not. The major concern [Read More]

Improving Your Credit Scores: The Rule Of 45

April 24th, 2015 by Jason M. Kaplan, Esq.

Improving Your Credit Scores: The Rule Of 45   No matter what you buy, shopping around for the best deal is always a good idea and finding the best interest rate on a new mortgage, student loan, or financing for a new automobile can be a challenge. The problem is, everyone knows that every time [Read More]

How to Reduce Your Credit Utilization Rate

April 20th, 2015 by Jason M. Kaplan, Esq.

Everyone knows how important a good credit rating is when the time comes to secure a loan or mortgage. However, there is more to it than just that. In addition to your credit score, credit history, job stability, income, household expenses, personal assets… an important factor is your credit utilization rate.   What Is a [Read More]

Quick Takeaway Facts about Credit Monitoring Services

April 16th, 2015 by Jason M. Kaplan, Esq.

Whether you are concerned about identity theft or seek to secure a loan for a car or a home, knowing what is happening with your credit is imperative in today’s world. Credit monitoring services can keep you up to date with any changes made to your credit report and keep you informed of your credit [Read More]

The Right Time to Pay off Your Credit Card Balances

April 13th, 2015 by Jason M. Kaplan, Esq.

Every month you make sure your credit card balances are either paid in full or paid down enough to keep them in check. You’re a smart money manager and do everything in your power to ensure your credit rating is always the best it can be. But did you know that even if you pay [Read More]

Remedy for Late Payments Blocking New Loans

April 9th, 2015 by Jason M. Kaplan, Esq.

You’re so excited that you have to stop yourself from breaking out and dancing right in the middle of the sidewalk. You finally found the car of your dreams and figured out that you have the money for the down payment, you can afford the monthly payments and the insurance, and all you have to [Read More]