Freezing Your Credit

In the age of paperless transactions, identify theft is something that virtually all of us are susceptible to. If your identity is stolen, the consequences can be severe, and in some cases, can take years to recover from. One way to be proactive against fraud and defend yourself from identity theft, is to freeze your […]

Freezing Your Credit is a post from Pocket Your Dollars.

By: Jeanine Skowronski

In reply to <a href="https://www.credit.com/blog/ways-a-debt-collector-may-be-breaking-the-law-18624/#comment-122823">Anita Miller</a>. Statute of limitations on debt vary by state and there are complexities beyond that, particularly with regard to credit card debt, so you may want to consult a consumer attorney if you have questions. Something very important to note: Failure to show up in court could result in a summary judgment against you — which can lead to garnishment. So it's in your best interest to appear in court. You can bring your credit reports to support your case. Again, a consumer attorney could provide more help. Some more info here: https://www.credit.com/debt/statutes-of-limitations/ http://blog.credit.com/2015/04/7-things-you-need-to-know-about-the-statutes-of-limitation-for-debt-114442/ http://blog.credit.com/2013/08/sued-by-your-credit-card-company-67822/ Thanks, Jeanine

What Does Having a Derogatory Public Record on My Credit Report Mean

Since the National Consumer Assistance Plan went into effect in 2017, public records must meet strict requirements in order to appear on consumer credit reports. Civil judgments and tax liens do not meet these new requirements, so they were removed from credit reports. At this point, the only derogatory public record that should appear on… Read More

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