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For entrepreneurs aiming to build a solid financial base for their businesses, establishing business credit from the ground up is essential. Imagine launching your dream venture, only to find that securing financing and building relationships with suppliers becomes an uphill battle due to a lack of business credit history.

In this comprehensive guide, we will walk you through the process of establishing and maintaining good business credit. Starting with obtaining an Employer Identification Number (EIN), we’ll explore the importance of opening dedicated business accounts and establishing trade lines.

But building business credit from scratch doesn’t stop there. We also delve into maintaining good credit habits by making on-time payments, monitoring your business credit score, and utilizing various financing options wisely.

This guide will give you the power to construct a stable business while safeguarding your individual resources in the meantime. So sit back, relax, and let’s dive into building solid business credit together!

Table of Contents:

Obtaining an Employer Identification Number (EIN)

Alright, let’s kick things off with the first step in building business credit from scratch: obtaining an EIN.

An Employer Identification Number, or EIN, is like a Social Security number for your business. It uniquely identifies your company and helps separate its financial activities from your personal ones.

Why is this important? Well, having an EIN allows you to establish a distinct credit profile for your business, which can help you access financing opportunities down the line.

Applying for Your EIN

Fear not. Applying for an EIN is both free and easy. You can apply online through the IRS website. The process only takes a few minutes, and once completed, you’ll receive your shiny new EIN immediately.

Using Your EIN Wisely

With your nine-digit number in hand, you can now start leveraging its power to accomplish great things. First and foremost, avoid commingling your personal and business finances. This means keeping separate bank accounts for your personal and business finances and using your EIN for all business-related financial activities.

Second, use your EIN to build credibility for your business. Establish a good business credit score by making on-time payments and maintaining a good credit history. This will help you secure financing options in the future.

In summary: treat your EIN like the golden ticket it is. By using it wisely, you’ll be well on your way to establishing solid business credit from scratch – which brings us neatly to our next step…

“Take the first step towards building strong business credit by obtaining an EIN. Follow this step-by-step guide to set your company up for financial success. #businesscredit #EIN #financialsuccess” Click to Tweet

Opening Business Accounts: The Foundation of Your Financial Empire

Building Business Credit from Scratch: A Step-by-Step Guide

Alright, let’s dive in. To build your business credit from scratch, you need to start by opening dedicated business accounts. This is crucial for separating your personal and business finances, which is important for accurate bookkeeping and maintaining a professional image.

Choosing the Right Bank for Your Business

The first step is selecting a bank that caters to small businesses like yours. Look for one with excellent customer service, competitive fees, and useful features such as online banking or mobile apps.

Opening a Business Checking Account

Next up: opening a business checking account. This account will be used for everyday transactions like paying suppliers or receiving payments from customers.

Applying for a Business Credit Card

Consider applying for a business credit card. It can help you build good business credit and separate your personal and business expenses. When choosing a card, look for low or no annual fees, competitive interest rates, and rewards or perks that fit your needs. A higher credit limit can also help improve your credit utilization ratio, but be sure not to overspend.

Establishing a Line of Credit

Last, consider establishing a line of credit. This flexible financing option allows you to borrow funds when needed and repay them at your convenience. A solid payment history will work wonders in building your business credit score.

You can apply for a line of credit through various sources, such as SBA loans, local banks and credit unions, or online lenders. Choose the option that best fits your needs and preferences.

Now that we’ve covered opening business accounts let’s move on to establishing trade lines and nurturing your credit history.

Key Takeaway: 

To build business credit from scratch, start by opening dedicated business accounts to separate personal and business finances. Choose a bank that caters to small businesses with competitive fees and useful features like online banking or mobile apps. Consider applying for a low-fee business credit card and establishing a line of credit through various sources, such as SBA loans or local banks, to improve your payment history and overall credit score.

Establishing Trade Lines

Now that you have your EIN and business accounts, it’s time to focus on establishing trade lines. Trade lines are essential for building good business credit as they demonstrate your company’s ability to manage debt responsibly. Let’s dive into the process of setting up trade lines and watch your business credit grow.

Start with Vendors and Suppliers

The easiest way to establish trade lines is by working with vendors or suppliers who offer net terms (e.g., Net 30) on their invoices. This gives you a pre-defined time window (generally 30 days) to settle the bill without incurring any additional charges. It’s a great way to build your business credit score.

Apply for Business Credit Cards

A business credit card is another excellent tool for establishing trade lines, especially if you’re just starting out. Pick one that offers rewards tailored to your industry or spending habits, but always be mindful of annual fees and interest rates before applying.

Remember to use your business credit card responsibly and make on-time payments to build good business credit history.

Obtain Small Business Loans or Lines of Credit

If you need additional funding, consider applying for a small business loan or line of credit from a bank or alternative lender like Kabbage. Just remember to borrow only what you need and have a plan in place for repayment. This will help you establish a good business credit file.

Diversify Your Trade Lines

Diversifying your trade lines means having multiple types of credit, such as vendor accounts, business credit cards, and loans. This shows lenders that you can manage various forms of debt responsibly and will help improve your overall credit profile. It’s a great way to build good business credit.

Monitoring Your Business Credit

Building Business Credit from Scratch: A Step-by-Step Guide

Building business credit doesn’t end with establishing trade lines – it’s crucial to monitor your progress regularly. There are three major bureaus that track business credit scores: Experian, Equifax, and Dun & Bradstreet. You can request reports from these agencies or use monitoring services like Nav.

Regularly monitoring your business credit score will help you catch any errors or fraudulent activity and ensure that you’re on track to secure financing options for future growth.

In conclusion, building business credit from scratch is a step-by-step process that involves obtaining an EIN, opening accounts, establishing trade lines, maintaining good habits, and monitoring progress. By taking the time to build good business credit, you’ll be able to secure financing options and grow a sustainable company.

Key Takeaway: 

To build good business credit, start by establishing trade lines with vendors and suppliers who offer net terms. Apply for a business credit card, obtain small business loans or lines of credit, and diversify your trade lines to show lenders that you can manage various forms of debt responsibly. Regularly monitor your progress through the three major bureaus that track business credit scores to catch any errors or fraudulent activity and ensure future financing options for growth.

Maintaining Good Credit Habits

Alright, now that you’ve laid the groundwork for building business credit, let’s talk about maintaining good habits to keep your credit score in tip-top shape. Remember: Rome wasn’t built in a day, and neither is excellent business credit.

Tip #1: Pay your bills on time (or even early) – payment history plays a significant role in determining your credit score.

Tip #2: Keep an eye on your debt-to-credit ratio – aim to use no more than 30% of your available credit at any given time.

Tip #3: Regularly monitor and review all three major business credit bureaus: Dun & Bradstreet, Experian Business, and Equifax Small Business.

Tip #4: Bolster credibility by keeping personal finances separate from those of the company – open dedicated bank accounts and obtain a unique phone number for the enterprise.

Monitor Your Progress with Credit Monitoring Services

A great way to stay proactive about managing business credit is by using monitoring services such as Nav or Credit Karma. These platforms provide you with regular updates on your credit score, alerting you to any changes and offering insights into how to improve it.

Keep Your Business Information Up-to-Date

Your business information should always be current – this includes updating your address, phone number, and email with the appropriate agencies and creditors. An accurate profile not only reflects well on your company but also helps prevent identity theft or fraud.

Stay Informed About Credit Building Strategies

Educate yourself. Stay up-to-date with the latest trends in credit building by subscribing to industry newsletters or joining online forums like myFICO Forums. This way, you’ll always have a finger on the pulse of what’s happening in the world of business credit.

“Take charge of your business credit score with these essential tips. Maintain good habits, monitor progress, update info & stay informed. #businesscredit #creditscoretips”


THE ASCENT CREDIT REPAIR ADVANTAGE

Credit problems can affect your entire financial picture. If you’re falling behind on a credit card or mortgage payments, you could be negatively affecting other areas of your financial life.

That’s why we’ve developed a full-scale credit repair solution that addresses the problems you currently have, and those you may not have anticipated. At ASCENT, we approach your financial landscape with foresight, to assure financial recovery, and long-term financial stability.

Many of our clients have experienced substantial increases in their credit scores, have modified their home loans, have significantly lowered their monthly mortgage payments and changed their overall credit status in ways they never thought possible.

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Almost everyone will have to face the dilemma of poor credit at some point in life. It can feel like an insurmountable obstacle, but it’s not impossible to overcome. Here are five ways to start improving your credit score today.

Get a Copy of Your Credit Report

The first step to overcoming bad credit is to get a copy of your credit report from all three major credit bureaus: Experian, Equifax, and TransUnion. This will give you an idea of where your credit stands and what factors are negatively impacting your score.

There are several ways to request a credit report. The easiest way is to go online to any credit bureau’s website and request a report. Alternatively, consumers can complete a form and mail it to the credit bureau or call the bureau directly and request a report over the phone.

Once a consumer has received their report, they should review it carefully to ensure that all of the information is accurate. If there are any errors, the consumer can contact the credit bureau and request that the error be corrected. It is important to keep in mind that each credit bureau may have slightly different information in its files, so it is important to check all three reports. By monitoring their credit reports regularly, consumers can help protect their score and avoid identity theft.

Make a Plan to Pay Off Your Debt

Make a Plan to Pay Off Your Debt

For many people, debt is a weight that feels impossible to escape. High interest rates and minimum payments make it seem like you’ll never be able to pay off what you owe. However, there are some strategies you can use to pay off your debts and improve your credit score.

One way to do this is to create a budget and prioritize debt repayment. By putting more money towards your debts each month, you can pay them off more quickly. Additionally, you can try to negotiate with your creditors for lower interest rates or longer repayment periods. If you’re able to reduce the amount of interest you’re paying, you’ll have more money available to put toward the principal of your debt.

Finally, remember that paying off your debts is a slow process but improving your financial health is worth it. Stick to your budget and be patient, and you’ll eventually see your credit score increase.

Avoid New Debt to Improve Your Credit Score

Your credit score is one of the most important numbers in your financial life. A good credit score can open up opportunities for better interest rates and terms on loans, credit cards, and more. A bad credit score can make it difficult to get approved for new credit products and can lead to higher interest rates and fees.

That’s why it’s so important to avoid new debt while you’re trying to improve your credit score. Taking on new debt can lower your credit score and make it harder to get ahead financially. So if you’re looking to improve your credit score, focus on paying off your existing debt first and resist the temptation to rack up new debt on credit cards or loans. With patience and discipline, you can achieve a healthy credit score that will open up doors to a better financial future.

Make All Payments on Time

Your credit score is a number that lenders look at to determine your creditworthiness. A high credit score means you’re a low-risk borrower, which could lead to a lower interest rate on a loan. A low credit score could lead to a higher interest rate and could mean you won’t be approved for a loan at all.

Payment history is the most important factor in your credit score, so making all your payments on time is important. If you have credit cards, make sure you pay at least the minimum payment by the month’s due date. Paying your bills on time will help you avoid late fees and can prevent your account from going into collections.

Become an Authorized User on Someone Else’s Account

Becoming an Authorized User on Someone Else’s Account Can Improve Your Credit Score

Most people know that credit scores are important. A good credit score can mean the difference between getting approved for a loan and being turned down or qualifying for a low interest rate versus a high one. But many people don’t realize that becoming an authorized user on someone else’s credit card can help increase your credit score.

When you become an authorized user, you essentially piggyback off the primary cardholder’s credit history. So if they have a long history of making on-time payments, that will also reflect positively on your credit score. And since credit utilization is one factor that determines credit scores, having access to another person’s credit limit can also help increase your score.

Of course, becoming an authorized user also comes with some risks. If the primary cardholder misses payments or racks up a lot of debt, that will also negatively impact your credit score. So it’s important to weigh the pros and cons before deciding whether or not becoming an authorized user is right for you.

Conclusion

While some believe that their scores are confusing, there are many easy and straightforward ways to improve your score. First, make a budget and track your spending, so you know where your money is going each month. Second, work on paying off any debts you have as quickly as possible.

Finally, consider becoming an authorized user on someone else’s credit card account to help build up your credit history. If you have any questions about how to repair your credit score, call one of our experts at Ascent Network today. We would be happy to help you get on the path to financial success!

Can Late Payments on Student Loans Be Removed?

Missing student loan payments puts your account under delinquent or default status. This leads to higher interest on loans, loss of eligibility on some student aid programs, and worse, repossession of property.

Can late payments on student loans be removed? What happens when you don’t get them removed? Will removing student loans from your credit report affect your credit score?

Can You Get Late Payments Deleted?

A default student loan occurs 120 days after delinquency on a private loan and 270 to 360 days for federal loans. Your score is likely to drop by 100 points! Once your lender accurately reports the late payments, the information will not be removed.

However, if the information reported is incorrect, you can dispute the information and have it removed. To remove a student loan from your credit report due to fraud or inaccuracies, file a dispute with the three major credit reporting agencies – Equifax, Experian, and TransUnion.  Ask them to remove the inaccurate loan details from your credit report.

An investigation will be launched, and the information will be removed from your credit report when it is clear the loan was taken without your authorization.

Will Forbearance Remove Late Payments?

Will Forbearance Remove Late Payments?

Student loan forbearance is an agreement you make with the lender to reduce or postpone student loan repayment for a designated period. Forbearance is only temporary relief to help you deal with a sudden hardship and helps prevent your loan from defaulting. Unfortunately, forbearance increases the amount you owe.

If you are unemployed and the student loan is weighing you down, you can apply for deferment, which can be interest-free.

Still, both forbearance and deferment are short-term solutions to help you catch up with the payments when your loans haven’t defaulted. Still, you need to pay your student loan as soon as your financial situation improves.

Student Late Payment Forgiveness Program

On August 24, 2022, President Joe Bidden announced that his administration would waive student loan debt for qualifying Americans. But, are all student loans eligible for late repayment forgiveness?

To qualify for the federal government forgiveness program, you must have taken direct federal loans or took a Stafford loan. Non-federal loans, handled by private loan companies, don’t qualify for the federal loan forgiveness program.

Another way to get student loan forgiveness is the income-driven program that stretches out to a term of 20 or 25 years from the standard repayment period of 10 years. After making on-time qualifying payments for the period, whatever balance you still have is usually forgiven. Income-driven payments are usually capped between 10% to 20% of your income.

Does Student Debt Consolidation Remove Late Payments?

No. As Aaron Huebner explains in this Youtube video Q&A session, a student loan is possibly one of the worst debts because it has a negative connotation and doesn’t go away! So, consolidating your defaulted loan will not remove late payments.

Debt consolidation opens a new entry in your credit report but won’t erase the late student payment history. The report will keep showing until the end of seven years when it naturally drops off your credit report.

Regarding credit scoring, payment history, length of credit history, amounts owed, new credit cards, and credit mix affect your credit score. When you consolidate your student loan, you get to lose these crucial additions. However, properly taking charge of your student loan repayment plan gives you a good credit score that helps you apply for future loans and credit cards.

Student Debt Forgiveness Programs

These are some of the federal student forgiveness programs you can apply for if you qualify:

Can Ascent Network Help with Student Loan Forgiveness?

Can Ascent Network Help with Student Loan Forgiveness?

Managing student loans may need some counseling, especially if you have been falling behind on your payments. Ascent Network has a qualified team to help you take charge of your finances. Whether you are applying for forbearance, deferment, or disputing an incorrect student loan entry, you can trust Ascent Network to help you improve your score.

A more positive outlook toward a more financially secure future starts today. Give the Ascent Network a call today at 1-877-871-2400. Ascent Network helps consumers all over the United States and is available locally in Huntington Beach, CA, Coachella Valley, Palm Springs, Cathedral City, Rancho Mirage, Palm Desert, Desert Hot Springs, Indian Wells, La Quinta, Indio, and Thousand Palms.

How to Stop Debt Collector Calls

If you’re struggling with debt, you may be receiving calls from a debt collector. These calls can be very overwhelming and emotionally draining. You may have wondered, “Can I tell them to stop calling? How do I stop bill collectors from calling my cell phone?”

Fortunately, resources and laws are in place to help you. The Fair Debt Collection Practices Act (FDCPA) protects you from abusive debt collectors, and the law prohibits debt collectors from making harassing or threatening phone calls or using profane language. Read below to learn how to stop debt collector calls.

Your Rights When Dealing With Debt Collectors

The law is very clear on what creditors can and cannot do, and knowing your rights helps you deal with debt collectors. Federal law restricts debt collectors from:

Can You Request a Debt Collector to Stop Calling?

Can You Request Creditors to Stop Calling?

Debt collectors should not contact you for a debt you do not owe. If they contact you regarding a debt, ask them to verify the debt first. They are not allowed to contact you if they cannot verify it.

If they can verify the debt, you may wonder, “Can I tell a debt collector to stop calling?” Yes! You can stop bill collectors from calling your cell phone and harassing you by sending a cease and desist letter telling them to stop contacting you.

Ensure you send the cease and desist letter by certified mail and pay for a return receipt so you are sure the mail arrived, and keep a receipt confirming the collector received it. Once they receive the letter, they will contact you once more via mail to let you know that they have stopped further efforts to contact you regarding the debt and will be considering other actions.

Another way to prevent creditors from calling you is by telling them you prefer to communicate with them through writing. The debt collectors will be mandated to write you letters instead, and you will be able to keep a record of everything said.

What Should You Not Do When a Debt Collector Calls?

If you have a bad credit score, you may receive more collection calls than before. Most of these calls are legitimate debt collectors trying to collect on the accounts they represent. But fraudsters may also be calling, pretending to be debt collectors. To keep you safe, this is what you should not do when a debt collector calls.

You should not give a debt collection company your financial information. This includes your

Debt collectors may use this information to collect from you through a bank levy, wage garnishment, or property lien if the judgement is in their favor. You should only provide basic information concerning your debt.

You should not make a small payment to show “good faith” when a debt collector asks you to. This is because this only extends the statute of limitations. Remember that the clock resets to the date you last made your payment.

You should not admit the validity of your debt, as this also revives the statute of limitations. When you make a promise such as “I know I have a debt and will start paying next month,” debt collectors take it as a separate contract that renews the statute of limitations.

You should not ignore a debt collector’s call as they may be calling to let you know they have filed a lawsuit. Ignoring such a call may warrant a default judgement against you, and you may be slapped with other legal fees.

You should also control your temper when talking to a debt collector so that they may not use it in court, as it will show that you are abusive, thus hurting your chances of winning the lawsuit.

How Can a Credit Repair Company Help?

A credible credit repair company like Ascent Network has the expertise needed to identify errors such as debts that have not fallen off your credit report after the seven-year lapse.  They can also identify errors in your credit report that you may miss and file a dispute with credit bureaus so they can fix the mistakes. This ultimately stops calls from debt collectors.

How Can Ascent Network Help With Debt Collector Calls?

How Can Ascent Network Help?

Debt collectors call when you have a delinquent debt meaning that your credit score also has been impacted negatively. The Ascent Network helps repair credit and communicate with your creditors on your behalf. They let you know which options you should take to improve your credit, which debts have fallen off the statute of limitations, or whether to pay for delete.

A more positive outlook toward a more financially secure future starts today. Give the Ascent Network a call today at 1-877-871-2400. Ascent Network helps consumers all over the United States and is available locally in Huntington Beach, CA, Coachella Valley, Palm Springs, Cathedral City, Rancho Mirage, Palm Desert, Desert Hot Springs, Indian Wells, La Quinta, Indio, and Thousand Palms.

All You Need to Know About Debt Collection

A debt collection company is a company or agency that collects payments on outstanding debts. Debt collectors work for creditors, such as banks, credit card companies, and retailers. They may also be buyers who purchase debt at a fraction of its face value with the intent of recovering the entire debt owed.

If you have defaulted on your payments or any outstanding debt, you may have received regular phone calls and letters from a collection agency trying to recover the debt.

If you are in such a situation, understanding how debt collectors work will help you know how to deal with them. We will discuss all you need to know about debt collection and the debt assistance available to you.

How Debt Collection Works

When you stop making payments, your account is sent to a debt collector, and this information shows up on your credit report as collections. Your credit score takes a hit, and you start receiving calls and letters from debt collectors. But what can you do when a debt collector contacts you?

Reputable debt collectors do not use scare tactics or intimidation to retrieve money from the past-due account. Instead, they should name the original creditor, including how much you owe them. They should also inform you that you have 30 days to dispute the debt in writing if the collection account is erroneous.

If a debt collector contacts you, you have the right to request verification of the debt. If they can’t prove that you are the defaulter, you can ask them to cease contacting you and to remove the collection from your credit report.

Debt collectors work on a commission basis, meaning they only get paid if they successfully collect payments, or they may also charge a fee for their services.

If you cannot agree with your debtor, you can use an attorney to advise you on the best action to take. Credible credit repair companies also help negotiate with debtors on your behalf and also provide financial advice regarding your debt.

What Happens if You Ignore Debt Collection?

What Happens if You Ignore Debt Collectors?

Debt collectors typically contact debtors by phone, email, or letter to request payment. If you do not respond to a debt collector’s request for payment, the debt collector may take legal action, such as filing a lawsuit to recover the debt. If the judgement is passed against you, a debt collection agency may seize your possession or wages to pay for the debt.

Ignoring debt collectors is also detrimental because your debt will keep growing as interest will keep piling up.

When you ignore debt collectors, you may miss validating if the debt is legitimate or not. This may harm your credit score even though the debt is erroneous.

Whether it’s legitimate or not, getting in touch with the debt collector provides more insight into the debt. If it turns out that there was an error in the collection letter, it helps prevent any late fees or penalties from being charged against your account.

N/B: If you receive a court summons regarding your debt, it is wise not to ignore it as it may be legitimate. Unscrupulous debt collectors may fabricate one. However, you should look up the court’s contact information online to confirm the accuracy of the notice. To avoid manipulation from unscrupulous debt collectors, do not use the contact information on the document you receive.

What Debt Collectors Can’t Do

If a debt collector has contacted you, you have certain rights under the Fair Debt Collection Practices Act. For example, a debt collector may not contact you at an unreasonable time or place or use abusive or threatening language.

Debt collectors can not pretend to work for a government or consumer reporting agency. They are also prohibited from publicly shaming you for your debt or collecting a debt you don’t owe.

A debt collector is forbidden from calling you before 8:00 a.m or after 9:00 p.m. If you request in writing for them to stop calling you regarding your debt, they are mandated to honor your wish and stop contacting you.

If you think a debt collector has violated the Fair Debt Collection Practices Act (FDCPA), you can file a complaint with the FCPB.

How Can I Get a Collection Removed Without Paying?

You can remove collections from your report by disputing inaccurate information such as:

What Questions to Ask Before Paying Off Debt Collection?

What Questions to Ask Before Paying Off Collections?

People do many things when they find themselves in financial trouble, such as late payments, but they don’t always think through the consequences of their actions. Before you pay off collections, you should ask yourself these questions:

Our Key Takeaway

You are required to pay your debts on time to have a good credit score. However, if you are late on payments, debt collectors will try to collect the money owed to them. You will receive lots of calls and letters as they try to collect a debt. If you feel they are harassing you, you can write and ask them to stop contacting you or file a complaint. Here at Ascent Network, we help you manage your debts and remove collections from your report to maintain a good credit score.

A more positive outlook toward a more financially secure future starts today. Give the Ascent Network a call today at 1-877-871-2400. Ascent Network helps consumers all over the United States, and it is available locally in Huntington Beach, CA, Coachella Valley, Palm Springs, Cathedral City, Rancho Mirage, Palm Desert, Desert Hot Springs, Indian Wells, La Quinta, Indio, and Thousand Palms.

Tag: late payments

5 Ways to Overcome Bad Credit and Improve Your Credit Score

December 2, 2022

Almost everyone will have to face the dilemma of poor credit at some point in life. It can feel like an insurmountable obstacle, but it’s not impossible to overcome. Here are five ways to start improving your credit score today. Get a Copy of Your Credit Report The first step to overcoming bad credit is … Continued

Read More

Can Late Payments on Student Loans Be Removed?

October 5, 2022

Missing student loan payments puts your account under delinquent or default status. This leads to higher interest on loans, loss of eligibility on some student aid programs, and worse, repossession of property. Can late payments on student loans be removed? What happens when you don’t get them removed? Will removing student loans from your credit … Continued

Read More

How to Stop Debt Collector Calls

September 6, 2022

If you’re struggling with debt, you may be receiving calls from a debt collector. These calls can be very overwhelming and emotionally draining. You may have wondered, “Can I tell them to stop calling? How do I stop bill collectors from calling my cell phone?” Fortunately, resources and laws are in place to help you. … Continued

Read More

Debt Collection: What You Need to Know

A debt collection company is a company or agency that collects payments on outstanding debts. Debt collectors work for creditors, such as banks, credit card companies, and retailers. They may also be buyers who purchase debt at a fraction of its face value with the intent of recovering the entire debt owed. If you have … Continued

Read More

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