Credit Guide Publishes New Reviews Of Lexington Law And Sky Blue Credit Repair Services

Having a good credit score can make a huge difference to people’s lives, enabling them to get better interest rates on loans and credit cards, as well as allowing them to borrow greater amounts with longer term repayment plans. Credit Guide is an online resource center offering independent consultation to readers, describing how they can check, repair and improve their credit score in a variety of ways. The site also regularly publishes reviews of credit repair services, and has started 2017 with a review of two of the best: Lexington Law and Sky Blue.

The Lexington Law Credit Repair review opens with an introduction to the company and their background, followed by an assessment of when professional intervention might be needed. It then covers the cost of the packages, together with any available discounts, before concluding with the advantages, an average timeline for credit repair, and next steps.

The Sky Blue Credit Repair review follows a similar format, highlighting the unique advantages of the company, including its A+ BBB rating and 90 day refund policy, while also offering insight into their costs and timeline. Both reviews are designed to be directly compared and contrasted, so individuals can make their own decisions on which provider will best meet their needs.

A spokesperson for Credit Guide explained, ,,Credit Guide is pleased to be able to have updated with two new credit repair company reviews. These reviews will help more people than ever find the kind of high quality credit repair services they need without burdening themselves with punishing costs that could do even more damage in the long term. These are reliable, affordable and authenticated credit repair companies, and we hope more people can repair their credit scores as a result of reading these new pieces.”

About Credit Guide: Credit Guide is an online resource center committed to helping people get the information they need to improve, maintain or repair their credit score. The site is regularly updated by a committed team of writers and researchers, who offer honest, insightful and actionable reviews of credit repair services. The site also has comprehensive information on how to check credit scores, dispute credit rating errors and more.

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SCORE Orlando-Small Business Mentors:Building Your Financial Plan, 6-9 pm Feb. 22, $35; Rollins – Starting a Nonprofit, 6-9 pm Feb. 23, $45; You, Your Business Idea, How SCORE Can Help, 9:30 am-12:30 pm Feb. 25, free; Effectively Managing Your Business with QuickBooks, 6-9 pm Feb. 28, $35; all classes at Orlando Fashion Square Mall, 3201 E. Colonial Drive. Details: or 407-420-4843.

Florida SBDC at Seminole State College of Florida: Business Startup Basics. Where do I Start?, 10 am-noon March 1, free; Credit Repair – Myth and Reality, 10 am-noon March 15, free; Business Plans, 10 am-noon March 21, free; all classes at Small Business Incubation Center, 1445 Dolgner Place, Sanford. Details and registration: 407-321-3495 or

Small-business seminars: Business Startup 101 which covers the fundamentals of starting a small business in Seminole County, 6-8 pm March 28, west branch of the Seminole County Public Library, 245 N. Hunt Club Blvd., Longwood; 10-11:30 am April 12, central branch of the Seminole County Public Library, 215 N. Oxford Road, Casselberry; Business Plans 101 which covers the essentials for creating a blueprint for new business success, 6-7:30 pm Feb. 22, north branch of the Seminole County Public Library, 150 N. Palmetto Ave., Sanford; 6-7:30 pm April 4, west branch of the Seminole County Public Library, 245 N. Hunt Club Blvd., Longwood; 10-11:30 am April 19, central branch of the Seminole County Public Library, 215 N. Oxford Road, Casselberry. Presented by the Seminole County Public Library System, in a joint venture with the Florida Small Business Development Center at Seminole State College of Florida. Cost: free. Details and registration: 407-321-3495.


Institute of Electrical amp; Electronic Engineers, Orlando Section Executive meeting and Computer Society presentation, 6-8 pm Feb. 21, University of Central Florida, HEC building, Room 101, Orlando. Cost: free. Parking is $3. Details: Ravi Rajaravivarma,, 860-967-4845 or

Association for the Advancement of Cost Engineering International, Orlando-based North Florida section, AACE International Program Update, with speaker Charity Quick, executive director, AACE International, 6:30 pm March 9, Canaveral Council of Technical Societies, Cape Royal Office Center, 1980 N. Atlantic Ave., Suite 401, Cocoa Beach. Meeting is free, optional dinners $10 with advance reservation by March 8. Details and registration: or e-mail


Florida State Massage Therapy Association, Central Florida Chapter, 4-7:45 pm Feb. 20, Marks Street Senior Recreation Center, 99 E. Marks St., Orlando. Brian Boyd will present Laws and Rules for Florida LMTs (a FL required class for LMTs). Doors open at 4 pm for networking; announcements are at 5:30 pm; presentation begins at 5:45 pm Cost: Free to all FSMTA members, $20 for nonmembers. Details:


The Society for Technical Communication, Orlando Central Florida Chapter, 6:30 pm networking, 7 pm program Feb. 23, IHOP Restaurant, 11571 University Blvd., Orlando. Paul Dombrowski will discuss ethics and the Challenger disaster. New member orientation at 6:15 pm There is no charge to attend this meeting. Register at Details: WC Wiese at 407-356-4792.


50PlusFYI Resource Network, Grow Your Business networking meeting for agencies and businesses serving older adults of Central Florida, 11 am-1:30 pm, third Friday of the month, Oakmonte Village, 1001 Royal Gardens Circle, Lake Mary. Details: 407-265-0534 or

Orlando Network Exchange, 11:30 am-1 pm Thursdays, Mitchells Fish Market Restaurant (Winter Park Village), 460 N. Orlando Ave., Suite 122, Winter Park. $15 meal charge. Details:

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Dating Someone with Bad Credit? Here’s How to Protect Your Score

Building a strong credit score can take years of paying your bills on time, spending wisely and avoiding too much debt. If you’ve spent a lot of time and effort building a great credit score, you may be very protective of your credit.

But if you’re in a relationship with someone who has poor credit and you’re at a point that you’re moving in together or otherwise sharing expenses, your credit score could be in jeopardy. Not because your Valentine’s bad credit will directly impact yours:Credit reports don’t get merged, even afteryou’re married. But a person’s poor money habits can have an indirect effect of your financial standing and any joint accounts you decide to sign up for will appear on your credit file.

In other words, if your beloved has bad credit, you’ll want to take stepsto avoid damaging yourown. Here’s howyou can safeguard your credit score from your partner’s bad credit.

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1. Consider Keeping Your Funds Separate …

There are a number of reasons your partner could have poor credit, including unexpected financial hardship or identity theft.

“Someone with a low credit score could still be responsible with money and pay all the bills on time, but may just have some unexpected medical debt,” says Matt Gulbransen, owner of Callahan Financial Planning Corporation. But your partner could also have poor money-management skills. And, if that’s the reason for their credit score woes, you may want to keep your bank accounts separate for awhile. You can still split expenses while restricting access to your personal bank account.

2. … the Same Goes for Other Accounts

You can apply the same strategy to other accounts, including credit cards, loans and any accounts with monthly payments. Missed payments on shared accounts will inflict mutual damage to both of your credit scores. Your partner’s poor credit could be due to a history of late payments or accounts in collections, so think twice before sharing. (And, if you do decide to share, keep a close eye on those accounts.)

“I suggest you don’t join credit cards until you build the credit of the other party,” says Gulbransen.

It’s also risky to co-sign a loan, which can have the same impact on your credit as sharing a joint account.

3. Avoid Applying for Credit Together

If you want to apply for a credit card or loan, you may be better off doing so independently. If you apply together, your partner’s poor credit could result in higher interest rates, poor loan terms or even an outright rejection. You should use your own good credit to negotiate the best terms.

“Banks remain wary of making loans to borrowers with tarnished scores,” says Gulbransen. “And low scores can deny one access to a mortgage.”

Even adding your partner as an authorized user on your credit cards can be risky if your partner runs up your credit card balances. That’s because the amount of debt you owe can directly impact your credit scores. (Plus, the primary accountholder is the one responsible for actually paying the bills.)

4. Work on a Credit Improvement Plan

Poor credit doesn’t have to doom a relationship. It can be challenging, butyou can help your partner by understanding their situation and working together to create a credit improvement plan.

If you’re both committed to the relationship, you may want to merge finances and share financial decisions in the future. The best way forward is to openly discuss what led to your partner’s poor credit, and come up with a plan to improve it together.

The details of the plan will depend on the factors contributing to your partner’s poor credit score. Improving their credit scorefor your partner could require monitoring his or hercredit report, building a solid history of timely payments and paying down debt. There are also a number of tools, such as secured credit cards that are ideal for people who have struggled with managing their credit. And, if your beloved discovers their credit is being affected by a boatload of errors, credit repair could be an option.

Bottomline: By working to improve your partner’s credit, you can both move toward a greater financial future together.

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The Right Financial Decisions Can Improve Credit Scores

To our readers: Today GoodCall examines credit. First, Terri Williams outlines the right financial decisions to make to improve your credit score. In our next post, Courtney Price Davis takes a look at whether moving affects your credit score.

Millennials typically experience a lot of firsts before the age of 30. From their first post-graduate jobs to the first time they’re solely responsible for rent or mortgage payments, millennials wade through a lot of major financial decisions. Like every generation, sometimes they may not make good choices.

A recent survey revealed that most millennials made at least one major financial mistake before the age of 30. These blunders include maxing out credit cards, missing payments, defaulting on loans, and/or having accounts sent to collections. These financial decisions can affect credit scores, which in turn, can affect just about everything from the ability to purchase a car or house to the interest rate charged for products and services.

Don’t despair. Here are steps that can be taken to repair a bad credit score:

Check/verify your credit score

The very first step before making any financial decisions is to ensure that your credit score is accurate. You may have an excellent score with one reporting agency and a poor score with another agency.

Kevin Gallegos, vice president of Phoenix operations for Freedom Financial Network, tells GoodCall, “A credit score actually involves three scores from the three major credit reporting agencies: Equifax, Experian, and TransUnion.” Every year, each agency is required to provide consumers with a free credit report, Gallegos says. Reports can be accessed at or by calling 877-322-8228.

Your score may be different at each agency because of different – potentially wrong information. Carefully review each report, looking for inconsistencies in your address, balances, and even creditor. If you locate an error, Gallegos recommends following the specific instructions listed on each bureau’s website as the best and the quickest way to resolve these issues. “Under terms of the Fair Credit Reporting Act, the credit bureaus must investigate any disputed items and remove them from the credit report if they cannot be verified,” Gallegos says.

Understand credit percentage utilization

This is a central part of your credit score. “If you have a credit card with a limit of $10,000, and you owe $3,500 on it, that’s 35 percent utilization” Gallegos explains. However, if you go over 35 percent, he says that high amount could negatively impact your score. “Over 50 percent will have a definite negative impact on a credit score, and a maxed-out card will very negatively impact the score,” Gallegos says. Bottom line: If you pay down your debt so it’s below 35 percent, it will help to improve your score.

However, there’s another tactic that you can use. Kelley Long, CPA/PFS and member of the AICPA’s Consumer Financial Advocates Group, agrees that millennials should pay down cards with high limits. “But also consider asking for a limit increase – some lenders will do this without a hard inquiry and the decrease in credit utilization will boost your score,” Long says. Warning: If you’re the type of person who would continue charging and eventually max out the new limit, don’t dig yourself deeper into a debt hole.

So what is this hard inquiry that Long mentioned? It occurs when you apply for credit, or other types of situations in which a company would need to check your credit score to determine if they will allow you to rent a car, purchase a cellphone, etc. However, when you check your own credit score, it’s considered a soft inquiry, and does not negatively impact your score.

Financial decisions: Should you stop using your credit card?

While a maxxed out credit card can negatively impact your credit score, don’t make the mistake of thinking that the solution is to never borrow or use your credit card. Gallegos explains, “Credit agencies rely on past payment history to gauge how borrowers will do in the future, and if you don’t borrow, they have no information to rely on.” However, he recommends that millennials choose one card to use. Also, evaluate the use of your card. For example, a recent survey revealed that some people use credit cards to pay tuition. That’s among the worst financial decisions since it involves not only high credit card interest rates but also 3rd party transaction fees at an average of 2.62 percent.

Pay your bills on time

It sounds like the simplest of financial decisions, but it’s the best way to improve your credit score – or keep your pristine score intact. “Make all payments on time all the time,” Long says. “That’s the number one thing you can do.” You’ll see faster results if you start paying down the bills with the largest interest rates first, since a lot of your money is being eaten up in interest.

Make and stick to a budget

While budgeting isn’t usually listed among ways to improve your credit score, there is a direct link between the two. According to Leonard Wright, CPA/PFS and member of the AICPA’s Consumer Financial Advocates Group, budgeting may not directly impact your score, but if you don’t do it, your score will be affected.

“Always budget: by staying on top of random and unexpected bills through budgeting, you will be less likely to overspend, which results in credit cards near their limit and a lower credit card score,” Wright says. For millennials who need help in this area, Wright recommends such resources as and

Don’t use credit repair companies

Don’t be fooled by those credit repair service ads promising to quickly improve your credit score. Gallegos says these companies dispute items on your credit report – which temporarily improves the score while the lenders are researching the charge. Simply put, this is not among the wisest financial decisions: “There is nothing that a credit repair service can do that consumers can’t do themselves.”

Also, you may end up spending a lot of money without seeing any lasting results. Gallegos explains, “Once a dispute has been filed, the onus is on the credit reporting agency to remove or suspend that account from the consumer’s record until the dispute has been resolved one way or the other.”

Quality Credit Repair: Helping People Reclaim Financial Freedom in 2017

This press release was orginally distributed by SBWire

Philadelphia, PA — (SBWIRE) — 11/22/2016 — As the holiday season quickly approaches, everyone should be reminded about how they should set a strict spending limit and be extra careful about not going over that number. Of course, its easy to splurge on family and close friends during this time of the year, but its important that people dont spend more than they can afford to; otherwise, theyll find that theyre simply burying themselves deeper in debt. Instead, they should practice effective budgeting strategies and healthy spending habits, so they may enter into the new year with a full head of steam in the direction of a more financially sound lifestyle.

If someone is already struggling with bad credit or debilitating debt, the professionals at Quality Credit Repair are available to help them reclaim their financial freedom early on in 2017. During a free consultation, the experts will perform a comprehensive credit review and listen closely to each of their clients to understand the challenges they face because of their poor credit score. They will then help them determine whether or not any of the inquiries are false or erroneous; if so, they will contact credit reporting services and provide them with the necessary documents proving that the information had been recorded incorrectly.

Clients will also be advised about debt settlement, negotiation and consolidation depending on the circumstances. In addition, they will be provided with advice, information and resources on how to rebuilt their credit scores and make intelligent financial decisions on a regular basis in the future. Anyone whos searching, how to restore your credit rating, will certainly be relieved after speaking with a professional at Quality Credit Repair. Instead of feeling helpless and boxed in, people are encouraged to roll into the new year with more freedom, greater confidence about their current financial standing, and a rejuvenated credit score.

Receive a free consultation with the experts at Quality Credit Repair by calling 888-399-3898 or by visiting their website today.

About Quality Credit Repair
Quality Credit Repair works to help clients better their credit score and ensure they receive the most accurate credit reports. Their dedicated and highly trained consultants have over 15 years of experience resolving credit related issues. They will review a clients credit report and highlight areas that are harming the scores. The consultant will also layout changes the individual can make to better their credit. The company helps build credit by recommending the opening of secured accounts with certain, trusted lenders. Their services are available to clients anywhere in the country.

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Man claims Collection Consultants of California did not remove account from credit report

Justin Haskell filed a complaint on Nov. 14 in the US District Court for the Southern District of California against Collection Consultants of California alleging violation of the Fair Debt Collection Practices Act, the Rosenthal Fair Debt Collections Practice Act and the Credit Repair Organizations Act.

According to the complaint, the plaintiff received medical treatment
between 2011 and 2013
but allegedly failed to pay expenses, and the account was transferred to the defendant for collection. In 2016, the suit states both parties entered into an agreement in which plaintiff promised to pay principal amount of $1,760.82 to satisfy debt in full and for the defendant to instruct credit bureaus to delete all credit reporting pertaining to plaintiff’s account. The plaintiff alleges the defendant failed to fulfill its part of the agreement, which caused plaintiff to suffer from worry, emotional distress, anxiety and humiliation. He also alleges that the defendant withdrew 82 cents more than what as agreed upon to settle the alleged debt from his bank account.

The plaintiff holds Collection Consultants of California responsible because the defendant allegedly failed to delete the negative account from plaintiffs credit report and deceived plaintiff into believing that it would fulfill its part of the agreement.

The plaintiff requests a trial by jury and seeks actual and statutory damages, interest, attorneys fees, costs of suit and further relief as the court may deem proper. He is represented by Alex Asil Mashiri of Mashiri Law Firm in San Diego.

US District Court for the Southern District of California Case number 3:16-cv-02796

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CFPB’s Monthly Complaint Report Focuses on Debt Settlement, Credit Repair, and Other Financial Services

On November 29, 2016, the Consumer Financial Protection Bureau (CFPB) released its monthly complaint report. For the month of October 2016, the products and services generating the most complaints were debt collection, credit reporting, and mortgages, collectively representing about 65 percent of complaints.

In a year-to-year comparison covering the three-month time period between August and October in 2015 and 2016, student loans showed a marked increase in complaints – 108 percent – the greatest percentage increase in complaints of any product or service. During the same period, complaints about prepaid products, payday loans, and mortgages declined by 51 percent, 22 percent, and six percent respectively. Interestingly, the three product categories showing the greatest percentage decline in complaints have been, and continue to be, the focus of CFPB rulemaking initiatives.

The report focused on complaints about debt settlement, credit repair, check cashing, refund anticipation checks, and money orders. The CFPB categorizes these types of complaints as “other financial service complaints.”

Regarding these other financial service complaints, the CFPB found that debt settlement is the service that generates the most complaints, constituting 50 percent of other financial service complaints. Credit repair and check cashing services each constituted 12 percent of other financial service complaints.

The most common issues raised by consumers involved fraud or scam (51 percent) and customer service or customer relations (18 percent). Consistent with the increase in student loan complaints, the CFPB noted that complaints about fraud or scam often involved consumers who sought to settle or consolidate their existing student loan debts.

Mortgage officer to explain how to rebuild credit Dec. 10, 13

Rockland — Mortgage development officer Kevin Boggs will present a program at the Rockland Public Library, 80 Union St., with information on how anybody can understand, repair and rebuild their credit Saturday, Dec. 10, at 2 pm and Tuesday, Dec. 13, at 6 pm

Rather than a lecture, this presentation will aim to inform and entertain. Discussions will include how to read a credit report, how to negotiate with creditors, when to ask for help and where to get trustworthy assistance, what is a credit score and how is it calculated, how to improve your credit right now, how to monitor your credit for free, how to optimize your chances of getting approved for a loan, how to negotiate loan terms, how to repair credit, how to rebuild credit, how to protect your information and more.

Boggs brings more than 15 years of experience in credit and mortgage lending. He is a graduate of Dickinson College, where he is a member of the Sports Hall of Fame. He volunteers his time providing instruction on credit and home ownership through free regional adult education programs and at local high schools. Boggs also volunteers his time each week to the Knox County Homeless Coalition by providing free counsel to caseworkers and residents on credit repair and first-time homebuyer programs. He is a native of Rockland, and enjoys hiking, swimming, sports and playing music with his family.

The program, for people of all ages and backgrounds, is free and open to the public. For more information, call 594-0310.