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Does Anyone Really Need Credit?

Almost everyone does.  There are things available without using credit, such as rent, food, and other necessities which can be paid with a check, debit card, or cash. But building a solid credit profile is important even if you prefer to pay with cash. Learn why and...

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FAQ

FAQIs credit repair legal? It sure is.  In fact, the federal government has passed consumer law that allows people the opportunity to have correct, up-dated and accurate information on their credit report.  Specifically, the FCRA states:  If the completeness or...

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Should You File For Bankruptcy?

Should You File For Bankruptcy?

Kim Basinger did it. Ditto for Rapper 50 Cent. Francis Ford Coppola did it two times. Willie Nelson, Meat Loaf and Walt Disney all did it as well. Even this country’s founding father; Thomas Jefferson has done it. Done what? They have all filed for financial...

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Equifax Breach – Are You Still at Risk?

According to AP, Equifax has admitted that an additional 2.5 million Americans may have been affected by the massive security breach of its systems, bringing the total to 145.5 million people who had their personal information accessed or stolen. The information...

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Tip of the Month: Protecting Your Tax Return Money

For the next few months, merchants will be coming at consumers hard with Specials, Sales, Discounts, Advertising, New Products, with one thing in mind: It is an all-out grab for your tax return!!  Tax return money is viewed as “Disposable Income” which means your...

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Now is the Time to Buy a Home!

As soon as it became apparent that Donald Trump would be this country’s next president, Wall Street tanked.  This may not be an indication of concern over economic policy as much as the stock market hates the unknown. However, Since Tuesday, there has been a rebound...

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Can I Sue Telemarketers?

Yes!  Your tip for this month is to sue your telemarketer! Telemarketers must follow the same guidelines as debt collectors, banks, credit card agencies and any other company making robocalls, or calls in person, and they rarely do. If your rights, as defined by...

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How to Get out of Debt Quickly

Your credit is jacked, collection agencies are blowing up your phone and the mailbox is stuffed with letters demanding payment. There isn’t enough money to pay the debts and your stress level is maxed out.  What can you do? If you read our last blog, you know that...

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Lizet’s Desk: Don’t Stress

Everyday life brings with it challenges that can cause stress. There are children to feed, protect and nurture. There is the daily routine of a job. Society injustices and violent news articles bombard us continually. And there are medical issues to deal with. The one...

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Dealing With Telemarketers

We’ve all got them; unwanted calls from telemarketers Are you hounded by telemarketers?  The next time you receive a call from a salesman, rather than ignoring it, simply pick up the phone, determine who the caller is and ask them to stop calling.  After that,...

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Is Debt Settlement Right for You?

What is debt settlement exactly?   Debt settlement or debt negotiation is when a consumer arranges with the collector to pay less than what is owed and the debt is then forgiven. (Sort of forgiven, and we’ll explain that later). While it is usually not possible to...

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Cash for Collections!

Can you use some extra cash?  Of course you can, we all can!  Regular readers of our post know we routinely give cash to our clients; $1,000 is common and $4,000 or more happens as well! How do you get your share of this money?  Glad you asked!  Gather up any...

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Pay Down Your Accounts

When I interview potential clients, I usually notice something on their credit report that will lower their FICO score more than a negative item will… do you know what it is? We would think that a positive trade line (a current, paid-as-agreed account) such as a...

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Struggling with Central Coast collection calls?

  Are you struggling with a bad credit report? Well struggle no more; Heritage Credit Repair is here to solve your problem! Welcome to Heritage Credit Repair, a trusted Credit Recovery firm with over 25 years of experience in the area of consumer debt and credit...

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From Lizet’s Desk: Credit Reports

Should consumers use a credit report that comes directly from the credit bureaus or is a less expensive consumer-based report good enough? Since an on-going monthly purchase of these reports is necessary for credit repair, we currently are using consumer-based credit...

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New Law Could Mean Cash for You

Consumer law is wonderful.  It is like a body guard who comes to the rescue when a bully mistreats a smaller friend. Enter Collection Agencies, Credit Bureaus and Creditors—these are the financial bullies who routinely violate consumer rights. Most of us have had the...

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From Lizet’s Desk: Medical Bills

Consumers usually need our service due to debts that are defaulted on. It is not always done purposefully, as in the case of medical bills. However, many others default simply because they have over-extended their credit cards. Although there may be fewer bills to...

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Why choose Heritage Credit Repair?

Is your credit suffering? Worry not, here at Heritage Credit Repair, we have the cure! With over 25 years of experience in the consumer debt and credit industry, our team here at Heritage Credit Repair, complete with an aggressive legal department ready and willing to...

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Never throw away a collection letter.

Collection Notices are now Worth Thousands of Dollars! Never throw away a collection letter. State and Federal guidelines are very explicit as to how a collection letter can be written. Either due to ignorance, arrogance or playing the odds, bill collectors routinely...

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When Medical Bills Are An Issue

Mike and Linda thought their credit record was spotless. The Central Coast couple wanted to take advantage of low interest rates, so they put their house on the market and talked to a lender about a mortgage on a bigger home in the area. Their credit report contained...

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From Lizet’s Desk: Cash Awards

We want to see more of our clients receive cash awards!  So please, let us know right away if a collection agency is contacting you.  In many cases their approach to bill collecting violates one or more federal or state laws.  If this happens, the debt can be...

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Rid yourself of poverty thinking.

In my 25 years plus in working with consumers, I have learned that most people limit their financial potential, create a mountain of debt and sabotage their chances at success simply due to poverty thinking. What is poverty thinking?  It is a learned thinking process;...

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What is Debt Negotiation, and is it Right for You?

There is nothing quite as stressful as having more debt than the household income can comfortably deal with.  When people find themselves with out-of-control debt they typically begin exploring ways to rid themselves of the debt.  Refinance the house?  File for...

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From Lizet’s Desk: Store Credit Cards

During this season many go on shopping sprees and tend to over spend as it is so easy to do, many also apply for new credit cards. I just wanted to remind our clients that this could have negative consequences. For example, department stores tend to ask if you’d like...

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The Revolution Of The Credit Repair Industry

–Heritage Credit Group has revolutionized the credit repair industry by punishing collection agencies instead of creditors. Most credit repair companies focus on deleting and removing negative items from a person’s credit report. Heritage Group instead puts emphasis...

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Free Credit Repair Central Coast

Bad credit can feel like an invisible wall keeping you from buying your first home, locking you out of your dream car, or making it difficult to move into a new apartment. The professionals at Heritage Credit Repair are the free credit repair Central Coast specialists...

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Debt collector harassment Central Coast

Debt collectors can be merciless in their pursuit for your money and in their dedication to destroying your credit. With over 25 years of consumer debt and credit repair experience, the specialists at Heritage Credit Repair know how to get the harassing calls and...

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Collection letters Central Coast

Having to deal with collection agencies is no walk in the park. Debt collectors can be vicious and their abusive tactics can take an emotional and financial toll on your life and your credit score. Did you know that some collection letters Central Coast residents...

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Build my credit Central Coast

It’s time to make bad credit or no credit a thing of the past! With the Heritage Credit Group we can make that a reality. With over 25 years of experience, we are experts in helping you build your credit from the ground up. Our free and customized credit repair...

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Pay more than the minimum.

Making minimum payments each month is a guaranteed way to be stuck in debt much longer than necessary. For example, if you have a $5,000 balance on a credit card with a 15% annual percentage rate and make a minimum monthly payment of just 2% of the balance, it will...

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Have a Healthy Relationship

Money is one of the leading causes of all fights among significant others, and can even lead to separation or divorce. If you want to have a healthy relationship and avoid arguing over money, these few simple guidelines will help keep you in line: Create a budget and...

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From Lizet’s Desk: Speed Up the Process

Many of our clients would like to see immediate results from our work... and so would we! But realistically this process takes time. Even though our work begins immediately and some clients have seen progress before 30 days, the bureaus do not have to correspond for...

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Pay Yourself First 

Most of us are diligent about paying our bills when they are due. The thought of living in the cold prompts us to pay our utility bill. Not wanting our property to be inundated with trash encourages us to pay the garbage bill and, of course, if we do not want to live...

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Should You File for Bankruptcy?

Kim Basinger did it. Ditto for Rapper 50 Cent. Francis Ford Coppola did it two times. Willie Nelson, Meat Loaf and Walt Disney all did it as well. Even this country’s founding father; Thomas Jefferson has done it. Done what? They have all filed for financial...

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From Lizet’s Desk: About Lizet

I have been working for this company for about 4 years now. I love my job and the clients I work with.  One of the things I enjoy most about my job and our clients is being able to contribute in bettering their life and helping them reach their goals. I love getting...

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Stop Impulse Shopping

Retailers make enormous profits from impulse shoppers. Have you ever noticed that magazines, candies, gums, children’s toys and trinkets are all lined up near the checkout stand? While you are standing in line waiting to check out, all these things are in your path...

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Have You Received Your Cash Award?

The FTC said recently that the collection agency Asset Capital Management Group purchased debt from creditors and, in an effort to collect from consumers, it "extorted payments from them using false threats." The illegal and underhanded tactics the company allegedly...

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How to Handle Collection Calls and Letters: Part 3

Hundreds of thousands of consumers are contacted by debt collectors regarding delinquent debts every single day. Receiving these calls and notices can cause a great deal of stress.  In fact, one could list dealing with debt collection activities right along with...

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How to Handle Collection Calls and Letters: Part 2

Hundreds of thousands of consumers are contacted by debt collectors regarding delinquent debts every single day. Receiving these calls and notices can cause a great deal of stress.  In fact, one could list dealing with debt collection activities right along with...

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How to Handle Collection Calls and Letters: Part 1

Hundreds of thousands of consumers are contacted by debt collectors regarding delinquent debts every single day. Receiving these calls and notices can cause a great deal of stress.  In fact, one could list dealing with debt collection activities right along with...

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Arroyo Grande Home Buyer Workshop Huge Success!

At the Arroyo Grande Home Buyer Workshop last month, a large crowd of people were amazed to learn how easily they could go from renter to homeowner. Purchasing a home came be a complicated process.  Our event enlightened people by offering expertise and resources to...

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Feds Making it Tough to Get a Home Loan

The Browns have solid employment, good income and prequalified for a home loan a year ago. However, getting the bank’s approval has involved intense scrutiny and endless rounds of paper work from underwriters. To improve their situation, the Browns paid off a student...

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Credit Card Secrets for College Students

Not too long ago folks would keep their money in coffee cans under the bed. When they needed to make a purchase, they paid cash from the can. That was when this country was not experiencing the enormous debt that it now finds itself in or the enormous cost involved...

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