2025 Monthly Blog
What Happens If You Can’t Pay Your Credit Cards?
Rising balances combined with high interest rates can quickly trap people in a cycle of debt that’s difficult to break! Credit card interest rates are
June 26, 2025
Tag: THD Credit Consulting
Student Debt Impact on Credit Scores
Student loans have become a significant part of the American financial landscape. While they make college possible, they can also leave a lasting mark on
September 26, 2024
Navigating Debt Relief: Understanding the Differences Between Settlement and Consolidation
Debt consolidation and debt settlement are two very different methods of managing and paying off debt, each having different implications and impacts on your credit.
March 1, 2023
Changes to Reporting of Medical Debt Continue to Roll Out
In July 2022, we saw the first phase of changes to the practices of reporting medical debt. Effective at that time, medical collection debt that
January 24, 2023
Major Change in How Credit Reporting Agencies Will Report Medical Debt
Starting July 1, 2022, the nation’s three largest credit reporting agencies will change how medical debt will be reported on credit reports. These changes Include:
April 4, 2022
What is a LexisNexis Report and why is it Important to You?
I have recently had clients tell me their insurance rates have gone up or they have had a hard time getting business loans because of their LexisNexis report.
February 24, 2022
Are you or someone you know struggling with your student loan?
If you’re struggling to pay student loans, you’re not alone. With 45 million total student loan borrowers collectively owing $1.7 trillion of student loan debt,
September 29, 2021
Will My Spouse’s Debt Affect My Credit Score
Credit reports do not indicate your marital status, nor will they include your spouse’s identity or any account they hold independently. Therefore, if your partner
September 3, 2021
How to Deal with Debt Collectors
Dealing with collection agencies can be an unpleasant experience with annoying tactics at best — and predatory, or even illegal, at worst. The FTC enforces
July 7, 2021
What is a Credit Freeze and should I use it?
Data breaches expose consumers’ Personally Identifiable Information (PII) at an alarming rate, and continue to place people at risk of identity theft and fraud. What
May 27, 2021