1. Avoiding Identity Theft
(Education Center/Identity Theft)

What Should I Do To Avoid Becoming A Victim Of Identity Theft? Be stingy about giving out your personal information to others unless you have a reason ...

2. Thank You
(About Us/About Us)

... don't just write letters or dispute online with the credit bureaus like most credit repair companies. Global Advantage Credit Solutions audits the creditors and collection agencies directly using certified ...

3. How Late Payments Hurt Your Credit Rating
(Education Center/How to Improve Your Credit)

... tips: Avoid Being Late on Your Payment   This is one of pitfalls that numerous consumers fall into. Remember it does not matter if it was your fault or not. If your creditor or lender ...

4. Fixing Bad Credit
(Education Center/How to Improve Your Credit)

... from all 3 major bureaus to determine your actual credit rating and determine if you have any issues with your creditors. In most cases, lenders will report if you have defaulted on a payment, have ...

5. Factors That Can Lower Your Credit Score
(Education Center/How to Improve Your Credit)

... and mortgage are paid on time. If you have one or two late payments this can negatively impact your score. If you are having financial difficulty paying these expenses, contact your creditor immediately. ...

6. Establishing Credit History
(Education Center/How to Improve Your Credit)

... not "max out" credit cards! This reflects poorly on your credit and you may have trouble paying the money back. If you are experiencing financial troubles, discuss this with your creditors and a ...

7. Debunking Credit Myths
(Education Center/How to Improve Your Credit)

... will affect your debt to income ratio (DTI) and help creditors determine the figure as well; however, if you are late or default on payments it will impact your score. Age, Sex, and Race can ...

8. Debt Management
(Education Center/How to Improve Your Credit)

... counselor who will provide advice on how to manage your debt. You will have to provide them with all of your financial information; however, they will contact your creditors to negotiate lower interest ...

9. Debt Consolidation Services
(Education Center/How to Improve Your Credit)

...  Eliminate the stress of dealing with annoying collection companies and bothersome creditors Improve your overall credit score and rating Eliminate the aggravation and headaches that typically ...

10. Bad Credit from Credit Cards
(Education Center/How to Improve Your Credit)

...  you just can’t get caught up and are struggling paying the bills, contact your creditors and educate them on your current financial situation. They could possibly have a program that would work for ...

11. Financing with Bad Credit
(Education Center/How to Improve Your Credit)

Bad Credit Financing There are various creditors who are willing to extend credit to those individuals with "less than perfect" credit. The most common companies ...

12. Buying a car? What to be aware of if you have bad credit
(Education Center/How to Improve Your Credit)

... rate. Keep in mind that this can increase your monthly payment by $150. Research is essential; lendingtree.com is a lender who will petition several creditors to extend credit which can provide several ...

13. How to Build Your Credit History
(Education Center/How to Improve Your Credit)

... in debt; this does not look favorable to creditors. Creditors will view this as a credit risk as most students don’t have a substantial amount of income. However, if you have a good job and are making ...

14. Fair and Accurate Credit Transacion Act
(About Us/How It Works)

... reporting agency', `creditor', `Federal banking agencies', and `financial institution' have the same meanings as in section 603 of the Fair Credit Reporting Act, as amended by this Act; and (4) the term ...

15. Fair Credit Reporting Act
(About Us/How It Works)

... directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.  ...

16. Fair Debt Collection Practices Act
(About Us/How It Works)

... a debt directly or indirectly to any person through any medium. (3) The term "consumer" means any natural person obligated or allegedly obligated to pay any debt. (4) The term "creditor" means any person ...

17. Credit Restoration
(Credit Restoration/Credit Restoration)

... account will not remove it from your credit report. It will stay on your report for seven years. If you are having trouble making ends meet, contact your creditors. This won't ...

18. Credit Terminology
(Education Center/Credit Terminology)

... ATB tests can be the basis of an application for a loan cancellation due to ATB fraud. Acceleration: When a creditor claims the total balance of a loan is due immediately. This can not usually occur ...

19. Be Debt Free
(Education Center/Be Debt Free)

... and consolidate - Start working on those high-interest credit card debts first. Call your creditors and negotiate lower interest rates or move your balances to less expensive ...

20. the GACSloutions Difference
(About Us/the GACSloutions Difference)

... audit the creditors directly. We use certified registered mail to professional audit the creditors and collection agencies. Customer Support/Visibility/Communication Fully Staffed Dedicated Customer ...