The Credit Woman, LLC
Turning Self Worth into Net-Worth! Let's talk wealth building; it starts with your budget/credit.
Did you know these three things regarding medical debt?
(Changes occurred July 2022.)
*All paid medical debt will be erased from credit reports.
*New medical debt won't be included in credit reports until one year after the debt is given over to a collection agency.
*Beginning in 2023, credit reports will not include medical debt of less than $500.
Budgeting is so important to effective credit counseling.
Do it yourself. (see below)
But if that doesn't work, contact me. š
Text 215-350-2483
https://www.nerdwallet.com/article/finance/how-to-budget
Good morning!
I am about to write a 609 letter per a client's request. I don't normally do them and below is the reason why.
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A letter sent to the bureaus requesting this information is actually not a dispute, but is simply a way of requesting that the credit bureaus provide you with certain documentation that substantiates the authenticity of the bureausā reporting. If the credit bureaus are unable to provide the requested documentation, it could indicate that the item may be inaccurate.
Section 609 of the Fair Credit Reporting Act (FCRA) outlines a consumerās right to order copies of their credit report and the information that appears on it. Section 609 doesnāt explicitly discuss your right to dispute inaccurate information, but it does assert your right to a copy of all the information in your credit file.
Contrary to what some might think, section 609 DOES NOT
require credit bureaus to provide proof of your accounts.
The FCRA gives you the right to dispute information you believe to be incorrect or unverifiable. Credit reporting agencies are responsible for removing any disputed information that canāt be verified or confirmed.
******************************************************************
However, in this time of digital documentation they usually can. I focus on what you need to do to improve your credit.
Now...off to write the 609 letter. Just because my client asked.
![Credit Reporting Changes Could Affect Your Bottom Line](https://img3.findglocal.com/722/660/10158269177226607.jpg)
4 Big Changes to Credit Reports and Credit Scores
https://www.aarp.org/money/credit-loans-debt/info-2022/credit-report-scores-changes.html?cmp=EMC-DSO-NLC-WBLTR-SAPLA--MCTRL-043022-HT3-6330031&ET_CID=6330031&ET_RID=145275068&encparam=FlJbCnIAzxpI%2fY4sHDAPgxFP5sIfJiZcG8mb8lELEbc%3d
Credit Reporting Changes Could Affect Your Bottom Line How medical debt, ātrended dataā and more shape scores
![Your medical debt may no longer hurt your credit score ā here's why](https://img3.findglocal.com/110/160/10158258151101607.jpg)
https://www.cnbc.com/select/medical-debt-credit-report/
From the article:
"This means that if youāve paid your medical bill in full and the debt is still sitting on your credit report as a negative mark, this negative mark will now be removed."
Hmmm...I have a question. If you settled the account, does that count? Inquiring minds want to know. š
Your medical debt may no longer hurt your credit score ā here's why The three largest credit bureaus announced they're beginning to eliminate medical debt collections from consumers credit reports. Here's why this matters.
Text/Call 215-350-2483 for more information!š
The Credit Woman, LLC Turning Self Worth into Net-Worth! Let's talk wealth building; it starts with your budget/credit.
![Navientās student loan settlement primarily applies to delinquent borrowers](https://img4.findglocal.com/330/660/10158111083306607.jpg)
https://qz.com/2113288/how-to-tell-if-you-qualify-for-navient-student-loan-forgiveness/
Navientās student loan settlement primarily applies to delinquent borrowers The student loan servicer reached a settlement with attorneys general in 39 states and pledged to cancel $1.7 billion in debt.
![](https://img5.findglocal.com/922/160/10157878019221607.jpg)
I haven't updated in a while, but this is what I have been doing for the last year. š„°
Please share!
Employment Opportunities. The first step in effective credit counseling is Income.
Educators On Call
https://www.facebook.com/jobs/job-opening/523657348964087/?source=share
![](https://img4.findglocal.com/557/660/10157751005576607.jpg)
New day; same message! š
As I speak to clients and friends, many are not aware of the importance of July 15th. Did you know you are eligible for the funds whether you have filed taxes or not? Wow, right! The purpose of the funds is to reduce childhood poverty.
Please share this information with anyone with children under 18 years of age.
To learn more: https://lnkd.in/eX3dPfh
![](https://img5.findglocal.com/164/660/10157461531646607.jpg)
Sometimes there isn't any rhyme or reason to why your score goes up or down, but stay the course.
Note: A $21 decrease in a credit card balance raised my score in under a month by 64 points. š
Good morning 2021!
Praying for the entire world and especially for us, the United States of America.šš¼
Student Loan Update: COVID-19
To provide relief during the COVID-19 emergency, your federal student loan payments were suspended. Additionally, interest was temporarily set at 0% on federal student loans.
These benefits are not permanent and are scheduled to expire Dec. 31, 2020.
If this applies to you and you are still 'recovering' from the pandemic, contact your government officials today to campaign for further forbearance.
Obviously, your credit will be marred if you default on these loans.
![](https://img4.findglocal.com/523/660/10157249635236607.jpg)
Paying down your credit card balances will increase your credit scores. At least that is the general rule of thumb. So, when I received a notification that my score changed, I casually looked. Why did my TransUnion go up 5 points and my Equifax went down 2 points?
Refer to the image; I have no explanation. š¤
![](https://img5.findglocal.com/057/160/10157245380571607.jpg)
Today at 11am!
Zoom Meeting
https://us02web.zoom.us/j/86109231784?pwd=MWpzY0Y1c0gyOFYyc2RhK1EzeTdUdz09
Meeting ID: 861 0923 1784
Passcode: 724414
Dial by your location
+1 646 558 8656 US (New York)
+1 301 715 8592 US (Germantown)
+1 312 626 6799 US (Chicago)
+1 669 900 9128 US (San Jose)
+1 253 215 8782 US (Tacoma)
+1 346 248 7799 US (Houston)
![](https://img3.findglocal.com/266/160/10157239602661607.jpg)
āIn three words, I can sum up everything Iāve learned about life. It goes on. In all the confusions of today, with all our troublesā¦with politicians and people slinging the word fear around, all of us become discouragedā¦tempted to say this is the end, the finish. But life ā it goes on. It always has. It always will. Donāt forget that.ā
--Robert Frost, Poet, on his 80th birthday in 1954
Join us this Saturday.
![](https://img4.findglocal.com/508/660/10157231475086607.jpg)
Next Saturday!
![The Pandemic Has Created a Class of Super-Savers](https://img3.findglocal.com/399/160/10157137613991607.jpg)
Who is saving money during the pandemic?
If need help creating a plan, contact me today.š
The Pandemic Has Created a Class of Super-Savers āWeāre just rife with cash and it has led to a decent amount of guilt.ā
![](https://img3.findglocal.com/997/660/10157094279976607.jpg)
What else would you add to this list?
![](https://img4.findglocal.com/545/660/10157086565456607.jpg)
Some days I literally need to do this. š
If you are fortunate enough to have income, stay on target with your budget. If you don't have one, contact me today. š
![](https://img3.findglocal.com/373/660/10157064453736607.jpg)
It is the first Monday in the month and a great time to think about new beginnings.
![](https://img3.findglocal.com/372/660/10156993103726607.jpg)
Today America celebrates its independence. When will you?
![Annual Credit Report.com - Home Page](https://img3.findglocal.com/243/160/10156990922431607.jpg)
NOTE:
During these times of COVID-19, accessing your credit is important. That's why Equifax, Experian, and TransUnion are now offering free weekly online reports through April 2021.
This is great since normally you would only be able to access them annually. If you need assistance with understanding or correcting your credit, please contact me.
Annual Credit Report.com - Home Page During these times of COVID-19, accessing your credit is important. That's why Equifax, Experian, and TransUnion are now offering free weekly online reports through April 2021.
![](https://img5.findglocal.com/993/160/10156987929931607.jpg)
The candy is fun, but if you are receiving 3 pays in July (this Friday!) and haven't budgeted for this 'windfall', contact me today.
Our Story
If you desire effective credit counseling with proven results, you have found the right company to assist you.
I am The Credit Woman, LLC. I will assist you in learning to manage your money, credit, and debt to create opportunities in real estate, business, job creation/retention and overall financial health.
I was featured (along with my co-partner) in Essence magazine's November 2007 issue. I have extensive experience in real estate, although I began my professional career as a civil engineer. As an investor I also knew that to sell a house, it was imperative that a personās credit was up to par. I always remember:
'No one wants to buy what you sell. What they want are the results they can achieve by utilizing what you sell to pursue their own goals and objectives.'
Therefore, with my vast knowledge in real estate transactions, wide circle of resources and my personal commitment to helping each person who has set specific goals, I will guide them each step of the way to help them achieve them.
That's my bio, but there is so much more to each of us! I discovered 'The Secret' in February 2007 and since consciously incorporating 'The Law of Attraction' in my life, I have been transformed.
Knowledge is power, but without action it is useless.
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Opening Hours
Monday | 09:00 - 17:00 |
Tuesday | 09:00 - 17:00 |
Wednesday | 09:00 - 17:00 |
Thursday | 09:00 - 17:00 |
Friday | 09:00 - 17:00 |