The American Dream Doesn’t Have to be Dead

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In November of 2007 my husband and I had been married a whole 6 months and he got laid off. I graduate college in May of 2008 and while my husband had found work again a lot of damage had already been done. As I graduated everything crashed and my career as a high school history teacher quickly vanished. Apparently social studies was a go to subject to cut.

Charge-Off Accounts and the Impact on Your Credit Score

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Charge-off accounts is an account that the creditor deems as no longer collectable and is written off be the original creditor as a loss. In other words you have stopped paying your credit card. Typically a creditor will charge-off the account in 180 days up to 6 months. What is the Potential Impact of the […]