Caraballo & Associates

Should I Accept My Loan Modification…Part 5

So after I spoke to the HUD Counselor, I waited a couple of weeks and then called the bank for a complete update. (I believe I have done all that has been asked of me and I think it is time for SOME kind of answer, or at least an indication of one). I called the [...]

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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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Should I Accept My Loan Modification…Part 2

Ok, so last time I wrote about this I was left a little confused. I was not given clear information, everyone I spoke to gave me a different answer to the same question, etc. etc. (Remember that I am sharing the story while at the same time what you see in italics and bold is me [...]

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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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