Alternative Financial Services

Phone  (509) 443-4442

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

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// Lines of Credit
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
Identity Theft

Ways to Avoid Identity Theft

Each year, thousands of people around the world fall victim to identity theft… the assumption of their identity by others in an attempt to empty their bank accounts, establish fake lines of credit in their name, or to take advantage of current lines of credit and max out any
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%:
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 Myths

A Few Credit Myths Credit Myth #1: Your salary makes a difference in your credit score. Credit Myth #2: Always pay your credit card balance in full and that will give you the best credit. Credit Myth #3: Your credit score only counts when you’re looking to borrow money.