The Pros and Cons of Refinancing a Car
February 28, 2023
Refinancing a car loan could mean massive monthly savings. The idea is you take out a new loan to pay off your existing auto loan,
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Collections/charge-offs
These accounts have the largest impact on your credit score. Use Cambio's free tools to resolve them
Late payments
Even one late payment can have a large impact on your credit score. If yours are accurate, use our Goodwill template to resolve them!
Hard inquiries
Hard inquiries have a lower impact on your credit score. Learn more about how they impact you and possible ways to resolve them.
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Dispute hard inquiries
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Pay For Delete
Free guide and template! Learn how to resolve your collection accounts
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Late Payment Goodwill Letter
Works best for accounts with only a few late payments
Debt Validation Letter
For collection accounts that have appeared on your credit report recently (Within the last 30 days)
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Latest Articles
How Convergent Outsourcing Inc. Could Impact Your Credit Report
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Have you ever heard of Convergent Outsourcing Inc. (Convergent)? It’s a collection agency that purchases debt accounts from creditors and tries to collect on them.
How to Get Overdraft Fees Refunded
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Improving your credit score while dealing with overdraft fees may seem overwhelming. As you work through the credit repair process, it is important to understand how to get overdraft fees refunded and how to avoid them in the future.
How to Pay Off Your Mortgage Early
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A major factor to keep in mind throughout the process deals with prepayment penalties. Each situation varies, but understanding possible risks to your credit is highly important if you want to pay off any loan early. Being mindful of the requirements regarding your loan term is essential to ensure that your credit is not at risk due to prepayment penalties.
How do business loans work?
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Small business loans can help you get the money you need to help your business grow. Learn more about these loans and how they may help your business.
How to spot debt collector scams
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Dealing with debt collectors is tricky. With this guide, you will be able to spot a legitimate collector from a scammer.
How much do savings bonds increase: What is a savings bond
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U.S. savings bonds are a conservative investment where you loan money to the federal government. When the bond matures, it will be paid back in full, plus interest.
4 Alternatives to Payday Loans in Pennsylvania
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Payday loans are illegal in the state of Pennsylvania. Here are four alternatives to get cash fast.
What is a Flex loan?
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Flex loans really aren’t loans at all. Flex loans operate more like a credit card than a loan.