http://www.isnare.com/?s=author&a=Jay+Peters Finances Jay Peters Sun, 15 Apr 2012 00:00:00 -0700 http://www.isnare.com/?aid=814691&ca=Finances Some people think getting reported to ChexSystems means they're out of luck when it comes to banking for the next few years. Being reported to ChexSystems isn't a death sentence to your finances, though. What Is ChexSystems? ChexSystems is a "credit reporting agency" (credit bureau) as defined by th... Advice Jay Peters Sun, 15 Apr 2012 00:00:00 -0700 http://www.isnare.com/?aid=814698&ca=Advice Every state has laws that places limits on various types of legal action. What is of greatest interest in the world of credit repair is the statute of limitations on debt collection, which may be named specifically in the laws or covered under a more general blanket statute of limitations. The best... Finances Jay Peters Sat, 14 Apr 2012 00:00:00 -0700 http://www.isnare.com/?aid=814646&ca=Finances Debt settlement companies make debt settlement sound like an attractive option for consumers. The reality is that for most of them it is not that great. "Debt settlement", for the purpose of this article, refers to the practice of stopping all payments to creditors and saving the money instead for s... Finances Jay Peters Wed, 28 Mar 2012 00:00:00 -0700 http://www.isnare.com/?aid=778834&ca=Finances A charge-off is a debt that a creditor has essentially written off and deemed "uncollectable". In order to understand how to go about disputing these, we need to dig into some details that will affect the process. First of all, there are two types: paid an unpaid. In terms of credit scoring, a paid... Finances Jay Peters Mon, 26 Mar 2012 00:00:00 -0700 http://www.isnare.com/?aid=774879&ca=Finances There is no doubt that the numerous dishonest acts of many credit repair companies and certain individuals have given credit repair a bad name. When reviewing information about credit repair from government websites and pamphlets, the word "scam" is usually in close proximity. The FTC website states... Finances Jay Peters Mon, 26 Mar 2012 00:00:00 -0700 http://www.isnare.com/?aid=774888&ca=Finances You may have seen ads for things like 24 hour credit repair and other instant or near-instant fixes for your credit problems. While the thought of fixing your credit repair problems overnight may draw in some unsuspecting consumers, unfortunately these ads are based more on fantasy than fact. Some p... Finances Jay Peters Mon, 26 Mar 2012 00:00:00 -0700 http://www.isnare.com/?aid=774895&ca=Finances copy of your credit report. There are two types of inquiries: Hard Inquiries and Soft Inquiries. Hard inquiries can affect your FICO score for up to 12 months, and stay on your credit report for 2 years. Soft inquiries stay on your report for 2 years but do not affect your credit score. Hard inquiri... Finances Jay Peters Mon, 26 Mar 2012 00:00:00 -0700 http://www.isnare.com/?aid=774912&ca=Finances In this article we're going to talk about a topic that few people seem to REALLY understand. It's my hope that in writing this, we will make some progress towards a better understanding of some basic concepts for rebuilding credit. The first thing to realize is that there are several DIFFERENT types... Finances Jay Peters Mon, 26 Mar 2012 00:00:00 -0700 http://www.isnare.com/?aid=774922&ca=Finances In this article I'm going to go over several common strategies for getting collection accounts removed from your credit reports. Collection accounts can be sticky and difficult to deal with, and depending on the situation if you make the wrong move you could find yourself getting sued by the debt co... Finances Jay Peters Sat, 24 Mar 2012 00:00:00 -0700 http://www.isnare.com/?aid=772190&ca=Finances What if we could show you how to put over $100,000 back in your pocket by doing something 99% of people in your position never take the time or effort to do (would that interest you?). Let us give you two quick examples of what we're talking about... EXAMPLE #1: We all know the largest purchase you'...