Alternative Financial Services

Phone  (509) 443-4442

(509) 599-2010 Mobile
Specializing in Hard to Place Loans

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AUG
15
2014
State by State SOL

State by State statute of limitations to collect debt

This page contains a listing of The Statute of Limitation on Debt Collection for each of the states. Alabama Statutes of Limitations Contracts under seal: 10 years, (A.C. 6-2-33) Contracts not under seal; actions on account stated and for detention of personal property or
AUG
11
2014
Credit History

Credit Repair – Remove Accounts In Dispute

Recent changes in underwriting guidelines with Fannie Mae, Freddie Mac and FHA now prohibit a loan to be closed with accounts labeled “Consumer Disputes This Account”. If you are running into this issue reporting on your credit report it can be very frustrating to
AUG
11
2014
Paying Off Collections

Pitfalls With Paying Off Collections

Sometimes doing the right thing, is not doing the right thing. This is a very important issue to pay attention to when paying off collections. Each creditors information or trade line reports to the credit report with a current manner of payment rating, with a 1 rating being
AUG
11
2014
Credit Success

5 Steps to Credit Success

5 Steps to Credit Success Step 1 for Credit Success. Evaluate: From your credit report, review your balances and credit limits, to determine if new credit needs to be established, identify accounts that are inaccurate, and determine the best way to pay off any negative debt. Step
AUG
11
2014
Establish New Credit

Do I Need to Establish New Credit?

How Important is it to Have New Credit? Take a look at what is required for positive credit to affect your FICO score. The ratio for your credit scores consist of the 5 factors that are: 35%: Credit History 30%: Balances (or Debt Ratio) 15%: Length of Credit 10%: New Credit 10%: