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29 Oct

Top 5 Credit Myths That Are COSTING You BIG – Here’s How to Fix Them NOW!

Hey there, frustrated credit warrior! Ever feel like the credit reporting system is rigged against you? Well, in many ways, it IS… and today, I’m going to rip the lid off some of the most common credit myths that keep people chained to low credit scores and higher interest rates.Let’s dig into the Top 5 Credit Myths that the big banks don’t want you to know about—and I’ll show you EXACTLY how to bust through each one!

Myth #1: Checking Your Credit Hurts Your Score


The Truth:

People think that checking their credit is like touching a hot stove – but let me tell you, checking your own credit score won’t hurt you one bit. In fact, NOT checking it can lead to costly mistakes!

Solution:

Use “soft” inquiries from reliable sources to monitor your score regularly. Free credit check apps like Credit Karma, Experian, or even your bank allow you to check your score without any penalties. This way, you’ll know exactly where you stand and what’s on your report without paying a price.

Myth #2: Paying Off Debt Instantly Fixes Your Score


The Truth:

So, you just paid off a bunch of debt and expected fireworks on your credit report… but your score barely budged. WHY?! Paying off debt is fantastic, but it doesn’t always equal an instant credit score boost. It’s about credit history and patterns over time.

Solution:

To see a score increase, keep credit card balances below 30% of your credit limit and ALWAYS pay on time. This combination will improve your credit score over time. And remember, don’t close those accounts just because they’re paid off—older accounts help build your credit age and boost your score.

Myth #3: Once It’s on Your Report, It’s There FOREVER


The Truth:

False, false, false! You don’t have to let those old, damaging marks haunt your report for life. Just because a collection is there now doesn’t mean it’ll stay forever. Credit bureaus aren’t flawless, and mistakes DO happen!

Solution:

Challenge it! Use credit dispute letters to remove errors, outdated debts, or incorrect information from your report. If something is unfair or unverifiable, you have the right to get it removed. And if you need help, get a pro in your corner to assist you in drafting letters and following up.

Myth #4: Closing Old Accounts Boosts Your Score


The Truth:

This one is a BIG mistake! People close old accounts to “clean up” their reports, thinking it’ll give them a boost. In reality, closing an old account can knock down your score because it reduces your credit age and available credit, both crucial for your credit score.

Solution:

Leave your old accounts open, even if you don’t use them. Keep the oldest card you have (unless it has high fees), as it shows you’ve managed credit responsibly over time. If you must close an account, make sure it’s one of the newer ones, so your credit age doesn’t take a hit.

Myth #5: You Can’t Repair Bad Credit on Your Own

The Truth:

Here’s the big secret: YOU absolutely CAN improve your bad credit score on your own. You don’t need a magic wand, a fairy godmother, or even a high-priced 
agency. It takes work and persistence, but it’s completely possible to repair bad credit.

Solution:

Start by tackling one area at a time—dispute inaccuracies, lower your balances, set up automatic payments, and keep those accounts open. Stick with it, and 
watch your score improve month by month. And if you ever feel overwhelmed, remember there are resources, like free credit repair eBooks or professional 
advisors, who can help guide you along the way.

Final Thoughts: Now that you’re armed with the truth, it’s time to break out of the cycle of bad credit! Busting these myths and taking control of your credit could save you thousands and open up opportunities you never thought possible.

Ready to take that first step? Download our free credit score guide, “249 Point Credit Score Hack,” and start building the credit you deserve!

Arthur: Brandon Coleman

info@killmybadcredit.com

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11 Sep

Trump vs Harris 2024 Debate: Key Takeaways and Analysis

Trump vs Harris 2024 Debate: Key Takeaways and Analysis

Trump-Harris debate

The 2024 debate between Donald Trump and Kamala Harris was everything we expected—fiery, high-stakes, and filled with sharp contrasts. Both candidates came ready to defend their policies and attack their opponent’s positions. With the election just around the corner, this debate could play a pivotal role in shaping the final stretch of the campaign. Let’s dive into the key takeaways from this electrifying showdown and explore what it means for the future of the United States.

Tone and Tension

Kamala Harris opened with a confident, forward-looking tone, declaring that the election was about “moving forward, not backward.” She framed Trump’s approach as a tired relic of the past, pointing out his continued reliance on fear-based messaging. Trump, on the other hand, doubled down on his usual rhetoric, emphasizing grievances and “bringing back America’s greatness.”
This contrast in tone set the stage for the night: Harris championing progress and inclusivity, while Trump stuck to his populist playbook. It was clear that both candidates were speaking not just to the audience in the room, but to their core voter bases.

Sparring Over the Economy

When it came to the economy, the debate heated up. Trump took credit for the pre-pandemic economic boom, promising that he alone could restore economic prosperity. His message: “I did it once, I’ll do it again.”
Harris, however, called this a revisionist history. She focused on economic policies that would benefit middle and lower-income Americans, highlighting the need for fairness and equity. She pushed for a stronger safety net and criticized Trump’s previous tax cuts, calling them giveaways to the rich.

Abortion and Women’s Rights

Abortion rights were always going to be a focal point of this debate, and neither candidate shied away from the topic. Harris attacked Trump’s support of the 2022 Supreme Court decision that removed constitutional protection for abortion, calling it a “dangerous setback for women’s rights.” She painted a grim picture of what life would look like for women under a second Trump presidency, leaning on the fears of pro-choice voters.
Trump, however, argued that the decision represented a victory for states’ rights, claiming that his stance was supported by many Americans, including some Democrats. This back-and-forth was one of the most tense moments of the night, with Harris refusing to let Trump’s framing go uncontested.

Immigration and Border Security

Immigration remains one of Trump’s most controversial topics, and this debate was no different. Trump reiterated his hardline stance, going so far as to make bizarre claims about immigrants harming animals in Ohio—an assertion that was quickly debunked. Harris used this to highlight Trump’s history of inflammatory and false statements about immigrants, positioning herself as the candidate of compassion and realism.
Her message was clear: immigration policy must be tough, but humane. She proposed reforms that emphasized security while protecting the rights of those seeking asylum.

Climate Change and Renewable Energy

Climate change was another area where Harris seized the opportunity to hammer Trump’s policies. Trump repeated his infamous claim that “windmills cause cancer” and decried green energy as harmful to the economy. Harris hit back, championing renewable energy as the future, and mockingly pointed out Trump’s long history of climate denial.
She vowed to continue pushing for green energy investments, arguing that this was not only an environmental issue but an economic one. She painted a picture of a future where the U.S. leads the world in clean energy technology.

A Symbolic Handshake

One of the most talked-about moments came before the debate even started: Kamala Harris extended her hand for a handshake, which Trump hesitated before accepting. This gesture was a small but significant symbol of Harris’s strategy—offering unity, even in the face of opposition. In a debate that was otherwise filled with animosity, this handshake became a viral moment.

Conclusion: What’s Next?

The 2024 debate between Donald Trump and Kamala Harris did more than just highlight policy differences—it showcased two different visions for America’s future. Trump leaned into his populist base, focusing on grievance politics and making sweeping promises. Harris, on the other hand, presented herself as the steady hand guiding America into a more equitable future.
While it’s too early to say how much this debate will impact the election, one thing is clear: both candidates came out swinging, and neither is backing down. As Election Day approaches, voters will have to decide which vision they want for the future of the United States.

Arhtur: Brandon Coleman

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info@killmybadcredit.com

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27 Apr

Midland Credit Management On Your Credit Report?

Does Midland Credit Management Hurt My Credit Score?

Any derogratory mark under it’s legitimate time breaking point may truly influence your FICO rating. A groupings account is something similar.

Who Does Midland Credit Management Collect For?

Midland Credit Management is an obligation assortment on your credit report. They bought your obligation from a leaser (for example a Visa or credit organization).

They might endeavor to speak with you by means of mail or calls (requesting installment). Far more detestable, an assortments account currently shows up on your credit report. This damages your score (and opportunities) to get supported for an advance or other significant monetary occasion.

Getting this record eliminated might be conceivable. Call (903) 740-3497 to figure out more.

How Do I Remove Midland Credit Management From My Credit Report?

Eliminating Midland Credit Management from your credit report might be conceivable in the event that any data on the record is inaccurate, error’d, or deceitful, and isn’t (or can’t be) fixed in a proper measure of time. As indicated by a concentrate by the U.S. PIRGs, 79% of credit reports contain botches or genuine mistakes. We represent considerable authority in pursuing these sorts of records for our clients.

Need Help With Midland Credit Management?

Call (903) 740-3497

Is Midland Credit Management A Debt Collection Agency?

Midland Credit Management is an obligation assortment office. They gather obligations for loan bosses, for example, banks and charge card organizations. They haggle with banks to settle obligations for not exactly the sum owed. They additionally put Collection Agreements on buyers’ credit reports.

Should I Pay For Delete With Midland Credit Management?

Taking care of Midland Credit Management to have credit departments erase it from your report appears to be great. There’s one issue. Paying an obligation in assortments changes your credit report status from ‘neglected’ to ‘paid’. The outcome? Your assortments actually shows up on your report for quite a long time (from the date of first misconduct). This implies your credit is as yet impacted.

In any case, – there is one arrangement.

You can get your collection completely removed or pay-per-delete, in which they offer this option. Call (903) 740-3497 to find out how.

Should I Negotiate A Settlement With Midland Credit Management?

Settling your obligation with Midland Credit Management might help your score, however it might likewise hurt your score. The response relies upon numerous factors. You may likewise not need to pay by any means, and in the event that any issues with the record exist you might have it taken out all together (and at no point ever need to hear from them in the future).

Why Does Midland Credit Management Keep Calling Me?

Midland Credit Management proceeds to call and endeavor to gather an obligation. First thing you can do is dismiss their calls and talk with an organization that can assist you with getting it taken out.

Will Midland Credit Management Try Suing Or Garnishing My Wages?

I’m being harassed, but is it legal? When I asked my friends and neighbors if they’d received these robocalls, I was amazed to hear nearly every single one of them say they, too, had received them. Even worse, most of them said the calls were coming from Midland Credit Management, a debt collector headquartered in my small town. The company is apparently trying to collect on debts that’s old.

It’s improbable that Midland Credit Management chooses to sue. In uncommon cases it might work out, however it isn’t the standard. State and government regulations have cutoff points or ‘exclusions’ that apply to bank and wage garnishments. We unequivocally prescribe calling us to decide the probability of a claim, yet additionally steps you can take to get this assortment eliminated.

Various standards, as well as various lawful cutoff points on the amount of your check can be garnished , apply to different kinds of obligation. Generally speaking, a lender can’t embellish your wages without first getting a cash judgment against you. The lender needs to document a claim in court and either get a default judgment (a programmed success since you don’t answer the suit) or win for its situation. After the collector gets the judgment, it sends documentation to your manager, normally through the neighborhood sheriff. The records direct your manager to take a particular measure of your check and send it straightforwardly to the individual or foundation you owe cash to until your obligation is paid off. Be that as it may, a few leasers — like those you owe charges, government understudy loans, youngster backing, or provision — don’t need to go through the court framework to get a pay garnishment.

In any case, you’ll get notice of the garnishment. The loan boss will keep on embellishing your wages until you cover the obligation or take an action to stop the garnishment, for example, guaranteeing an exemption with the court. Your state’s exemption regulations decide how much pay you’ll have the option to keep. Contingent upon your circumstance, you could possibly to some degree or completely keep your pay. You can likewise possibly stop most garnishments by declaring financial insolvency.

What Are My Rights When Dealing With Midland Credit Management?

You reserve the option to debate any obligation of yours that Midland Credit Management has bought. Midland Credit Management is governed by the Fair Debt Collection Practices Act (or FDCPA) and the Fair Credit Reporting Act (or FCRA). While these demonstrations appear to be extremely muddled, they give a lot of capacity to you assuming you know how to utilize it.

What Is Midland Credit Management Phone Number?

You likely want to call Colemans Independence Institute | Kill My Bad Credit, first (903) 740-3497. The explanation? Straightforward. You probably shouldn’t pay Midland Credit Management obligation, particularly assuming that it’s possibly incorrect. Taking care of it could hurt your score.

Midland Credit Management | Current Alerts For This Business

Government Action: Reports on known government actions involving business’ marketplace conduct::

CFBP v Midland Credit Management Inc
The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.

On October 15, 2020, Midland Credit Management Inc entered into a Stipulated Final Judgement and Order with the The Consumer Financial Protection Bureau. The Order settles allegations that the business violated the Administrative Consent Order, from September 9, 2015. The allegations include suing consumers without possessing Original Account-Level Documentation (OALD), engaging in legal collections without first providing the disclosure required, failing to provide OALD within 30 days of a consumer request, suing consumers on Time-Barred debts, collecting or attempting to collect Time-Barred debts without providing the disclosure required, prohibits debt collectors from using any false, deceptive or misleading representation or means in connection with the collection of any debt, and engaging in unfair acts or practices. Under terms of the order, the business agrees to pay $79,308.81 in redress to consumers and a $15 million civil money penalty. The settlement will also require the business to make various material disclosures to consumers, refrain from the collection of time-barred debt absent certain disclosures to consumers, and abide by certain conduct provisions in the 2015 consent order for five more years. The Assurance was for settlement purposes only and should not be considered as an admission of guilt or finding of violation of the law.

This action is final.

Remove Midland Credit Management From Your Report, Today!

Sometimes, we suggest talking with a Credit Repair Company proficient to break down your credit report. It’s such a lot of less pressure, bother, and time to allow experts to recognize the purposes behind your score drop. If you’re searching for a respectable organization to build your financial assessment, call us @ (903) 740-3497..

Author: Brandon Coleman-management

www.killmybadcredit.com

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