Caraballo & Associates

Should I Accept My Loan Modification…Part 4

If you are starting to think that this process is becoming long and drawn out, you’re right! By this time, we have had many calls, looked for much paperwork and basically we are just tired of the whole thing. We are not giving up though, especially because it seems that this is where most people [...]

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The Problem With Credit Counseling Agencies (Part 1)

These companies have been around for years making promises of lower credit card payments, frozen interest rates, shorter pay-off schedules, etc. etc. These programs seem like a no-brainer for the person that is having trouble with their monthly credit obligations. Those of us that have had hardships and those of us that basically just let our [...]

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The Simplest Way to Order Your Free Annual Credit Report

Here is the simplest way I have found to order your free annual credit report. I have included step by step instructions on how to do it. The only site you should be using when ordering your free report should be https://www.annualcreditreport.com Don’t go through any other sites that may have a mix of these words or other [...]

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The Truth About Ordering Your Free Credit Report

Ordering one’s own credit report seems to be a source of fear and hesitation for many people.  “Will this affect my score?  Will my score drop?  How much will it drop?” These are all valid questions and concerns.  To add to the indecision and worry that one feels about this “not too clear subject” are all [...]

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Did You Know This About Your Credit Score?

Did you know that if your credit card provider decides to one day lower your credit card limit that your credit score could be negatively affected?

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