Did you know that you can remove West Asset Management from your credit report yourself?

It’s true and in this article you’re going to discover the tried and true simple ways to get West Asset off your back for good. And oh yea, don’t be scared… it’s really a simple process.

So here’s the steps to take to start the disput process to remove them from your credit report…

1. Pull your Credit Report

So the first thing you want to do is to pull your credit report from Transunion, Experian, FreeCreditReport, or you can get it for free from AnnualCreditReport.com. The paid version from the former companies will give you the credit score which is essential to seeing how your credit score will improve. (more…)

Unless you’ve had your head stuck in the sand for the past year or so, you’re probably aware that we are in the midst of one of the worst financial climates in recent history. Not only is business bad all over, but trying to get credit or a bank loan has become nearly impossible.

Many businesses are finding it very difficult to function without the easy access to working capital that they have come to depend on to keep their business running smoothly. That, coupled with the general slowdown of business has caused a record number of businesses failures.

Fortunately, most of these businesses are qualified for a merchant cash advance. A merchant cash advance is a business loan alternative that does not rely on your credit history to get you approved. Not only is it much easier to get funded; it is much faster than a traditional bank loan. (more…)

I love clothes, simply love them. If I could buy out Vivienne Westwood, Christopher Kane and Fornarina every season, I would. Have you SEEN the new Christopher Kane Collection for Topshop? SWOON, my dears, total SWOON. If there’s ever a reason to be proud of being Scottish Christopher Kane is it. I digress, I love clothes, and who doesn’t want to look their very best and save a bit of money at the same time? I am QUEEN of bargain shopping, and I’m going to pass on what I’ve learned to you.

Spend money on that which you will wear constantly: By that I mean, don’t skip on necessity. For example, I went to Glasgow University, where it is incredibly wet. So I spent 80 quid on Doc Martens (which I totally adore) for everyday tramping about to and from uni, and since I wore them for 4 year at uni and at they are just on their last legs now in 2009 having bought them in 2002 I’d say that was money well spent. Personally a pair of sturdy AND beautiful boots is money well spent, as is a good quality gorgeous coat. Think really hard about what it is that you will need, and invest in a quality item that will last a long time and that you (crucially) adore. (more…)

During these rough times in our current economy, more and more Americans are opting to file Chapter 13 bankruptcy. Many people are finding that it is the only way out. A strong desire to be free of piles of bills that there is no money to pay and harassing phone calls from lenders is often the main driving force that causes people to make this major decision.

There are similarities in credit counseling and Chapter 13 bankruptcy. The main tie between the two is that now law requires a person to enter into a credit counseling program before Chapter 13 can be filed. This is to ensure the the person filing learns from past mistakes and they are not repeated. In credit counseling the individual will learn all about proper money management, debt, and how not to get in too deep again. This is a very beneficial course to take and people who are in debt and not considering bankruptcy could also benefit from it. (more…)

Yes, you can get a mortgage after bankruptcy, but not right away, and not without some work towards rebuilding your credit.

After you’ve completed filing you are supposed to have a fresh start, but the truth is that you are viewed as a financial risk. Of course, if you take some time to build up a history of using credit appropriately then things will be much easier for you.

There are two types of payments that make up your financial history, revolving (credit cards) and installments (loans). You’ll want to work on building up both of these. I recommend starting with a secured credit card and working on a small loan six months to a year later. (more…)