Great news on medical collections and credit scores. Read more →

Jim shares his proven system of quickly rebuilding a credit score. This special broadcast includes the steps to boost your credit score 100 points in 100 days. Read more →

Who will get student loan forgiveness? Will President Biden keep his promise and forgive student loans? How much will be forgiven? Who will qualify for student loan forgiveness? What about students applying for new student loans? What about people that have already paid off their student loans? Why is college so expensive that you need to borrow so much money? Why are student loans excluded from the bankruptcy laws? Alan Collinge of Student Loan Justice shares his insights and predictions on what will happen and when. Read more →

Coronavirus has pushed mortgage rates to an 8 year low. A short video here on how to take advantage of these low interest rates on mortgages, car loans, consumer loans, and student loans. Now is the time to act to cut your borrowing costs and take advantage of these historically low rates before they go back up. Read more →

On this episode Student Loan Justice Founder Alan Collinge comes back to discuss the latest news on student loans, including the complete failure of the student loan forgiveness program, why numerous states are suing FedLoan Servicing, why the cost of college is so high, the biggest scams for those in default, and much more. Read more →

The best option is to pay cash for your next car, but I realize that many people are not in a position to do that. According to Kelley Blue Book, the present average cost for a new vehicle in the United States is more than $37,000 (and this only includes so called 'light vehicles' and not trucks). Whether new or used, apurchasing a car is the second largest purchase most people make (after housing). Where Should You Finance Your Car? Most people get their financing at the dealership. The mistake here is not understanding that the largest profit center for... Read more →

Jim discusses the new Amazon secured credit card. A way for people with bad credit or no credit to begin building their credit score. If you are interested in finding out more Click Here. Click On Play Below To Hear Jim's Comments On This New Secured Card Read more →

James L. Paris is the author of the Amazon best-seller Credit Scoring Secrets, How To Raise Your Credit Score 100 Points In 100 Days. The so called 609 letter is not a magic bullet. In fact, it may actually lower your credit score. The key to raising your credit score quickly is focusing on your present open accounts and not worrying about older accounts that are no longer reporting. Disputing old negative accounts is likely to lower your score. Read more →

Why you should consider using a personal loan to payoff high interest rate debt. The standard deduction is now $12,000 per person or $24,000 for a married couple filing jointly. As a result, there is likely no tax benefit to borrowing against your home, and a better option could be a personal loan to pay off high interest rate credit card debt. Make the same payment you are making now but refinance it to a low single digit rate and pay it off in 3 to 5 years, saving 15 years of payments. Here is a link to comparison shop... Read more →

Jim discusses the bombshell news that two more accusers have come forward with allegations against Supreme Court nominee Brett Kavanaugh. Jim previews his upcoming trip to Korea, discusses the health benefits of Nitric Oxide, and his bestselling book on credit repair. Read more →

Most people have at one time or another gotten that phone call from a collection agency seeking payment on a past due account. The call may or may not have been preceded by collection letters. Tactics used by debt collectors run the gamut. Some are legitimate businesses following the law, and at the other end of the spectrum you have complete scammers. If you are in the unfortunate circumstance of owing a debt that you can't pay, you don't have to accept harassment. A cease communication letter may be a temporary solution until you have the necessary funds to pursue... Read more →

Former mortgage brokers James L. Paris and Robert G. Yetman, Jr. detail exactly how credit scores are calculated and how a consumer can quickly raise their score. The book is based on years of working with individual clients with credit situations as difficult as recent bankruptcies, foreclosures, and even IRS tax liens. Includes letters that can be used to dispute inaccurate information from a credit bureau report. Step by step information on what you need to do if you are currently attempting to get approved for a credit card, auto loan, or mortgage. Includes sources of no qualifying credit accounts... Read more →

If you have ever had a tax lien or civil judgment on your credit report you are among the millions of Americans that could see a significant jump in your credit score. Over the past several months the credit bureaus have been acting on a recommendation of the Consumer Financial Protection Bureau to remove tax liens from credit reports. It is now being reported that the change has officially taken place and all tax liens have been removed from consumer credit files. Along with this change was also the decision to remove civil judgments. Another significant advancement involves medical bills.... Read more →

Credit Sesame is a fantastic and free online service that provides consumers with a host of tools to manage and improve their finances. Unlike many similar sites, they do not offer a free trial which is followed up by a $10 per month charge - it is free and continues to be free without any strings attached. There is one feature, in particular, that I want draw your attention to, their credit scoring module. Not only do you gain access to your credit score, but they provide a great amount of detail which explains your score, and offers suggestions on... Read more →

Are you slowly chipping away at your student loans and wondering if you’ll ever manage to pay them off entirely? Or maybe you’re struggling trying to make your monthly payments and wish your payments were lower? Repaying student debt is a long journey – but there are ways to become debt-free more quickly and easily. One of those ways is by refinancing your student loans. Refinancing your student loan debt can potentially lower your interest rate and your monthly payments, allowing you to repay your debt faster and save money. But not everyone should refinance their student loan debt. Here... Read more →