Credit Archives - Page 3 of 3 - Judith Heft & Associates

Seeing the Forest Through the Sales

by Judy Heft | Feb 19, 2020 | Consumer Issues, Credit, Daily Money Management, Finance, Identity Fraud

Forest-through-the-trees syndrome is a condition that afflicts us all at some point in our lives: We get so entrenched in what we are doing (the trees) that we cannot see the big picture (the forest). And while this is true in all aspects of life, personal finance is...

7 Ways to Fight Financial Ignorance

by Judy Heft | Oct 29, 2019 | Credit, Daily Money Management

It’s almost like society makes it really easy to spend and borrow money. Wild conspiracy theories aside, people can get caught up in the offers, the complicated interest schemes, and terms and conditions which will never be read. But what happens when the credit...

It’s Your Duty To Collect Your Equifax Money

by Judy Heft | Jul 31, 2019 | Credit, Identity Fraud

In September of 2017, Equifax credit reporting agency announced a massive theft of information from its servers. Stolen data included drivers license and Social Security numbers. In order to compensate the 200+ million people whose information was stolen, Equifax...

Should I close out my excess credit cards?

by Judy Heft | Jun 27, 2019 | Credit

People ask me all the time, “Should I close my credit cards? I have too many.” Some of the reasons include: They facilitate excessive spending They’re simply not being used The potential for identity theft High interest rates High balances What many...

How to Dispute Mistakes on Your Credit Report

by Judy Heft | Apr 16, 2019 | Credit

Your good credit is your key to better deals on everything from leases to mortgages. Good credit is something to cherish and nurture, which is why it’s so maddening when there is a mistake on your credit report. Federal law states that each of the big three credit...