O'Bryan Blog

As you probably already know, a person’s credit score indicates how likely they are to pay back their debts, based on their past financial history. Filing for bankruptcy can have

What Is a Delinquency Notice? A delinquency notice is a written notification of an overdue payment. You could receive a delinquency notice if you’re behind on taxes, child support, wages,

We’ve all been there before. Just when you are least expecting it, your car breaks down or an unexpected medical emergency occurs. It is important to make sure that you

As you’re probably aware, many different actions and inactions can affect your credit score and be listed on your credit report. One small detail that regularly affects people’s credit scores

It’s common knowledge for many people that credit cards are a good way to improve your credit report over time. However, not everyone automatically qualifies for credit accounts like these.

Since the 1950s, Americans have been judged by their ability to accrue and pay off debts with a credit score. What started out as a way for mortgage lenders to

Table of Contents Even though credit reports and credit scores are just over 30 years old, they have a significant impact on many aspects of your life. Credit scores affect

Table of Contents Coming home to an eviction notice posted on your door is devastating. Losing your home can mean more stress and uncertainty on top of your other struggles.

Table of Contents Many find discomfort in giving out their own social security number to financial institutions. Generally, this concern stems from fear of becoming the victim of identity theft

Table of Contents How Does Credit Score Work? There are multiple credit scoring institutions, each having varying methods of calculation. As a result, most will have slightly different scores as

A default might leave a stain on your credit record, making it difficult to get credit in the future. While you wait for the default to clear, you still have