WELCOME TO CALIBER CREDIT

Credit and You

Examples of this are:

Homeowner’s Insurance
Car Insurance Payments
Car Loan Payments
Personal Loans
Mortgage Refinance
Job Opportunities

Credit Education

WHAT IS A CREDIT SCORE?

The majority of people understand the basics, like how failing to make a payment will cause your score to go down, but there are a number of complexities that trip up the average consumer. If you pay your debts on time, don’t carry too much debt on any one card, don’t close older accounts unless absolutely necessary and only apply for new credit when you have to you will generally be in good shape. However, it is important to keep yourself informed so you can maintain a credit score that accurately reflects your consumer status

Lenders use your credit report in order to judge your reliability as a loan candidate. Your credit report indicates your ability to handle debt responsibly and will help banks decide if you are a desirable loan customer. A high credit score can help you lock in low APR rates or secure special deals on loans. A bad credit report may prevent you from securing loans and can damage your ability to buy a car, open a credit card or rent a home. A history of inability to manage your credit successfully will make lenders uncomfortable about trusting you with additional funds in the future.

You are entitled to a free copy of your credit report once a year, an offer you should take advantage of. When you do receive your credit report, check to ensure the figures are accurate and act quickly to correct any mistakes. This may include any clerical errors, identity theft issues or incorrect information. If your credit score is low, you should begin working on a financial rehabilitation plan, either on your own or with a certified debt counselor, to begin correcting your bad debt habits.

Debt Consolidation

Top Rated Debt Settlement, Negotiation

Consolidation And Tax Debt Relief

For unsecured debts such as credit cards, personal loans, certain private student loans, or other similar accounts, a debt relief program may give you the solution you need. Debts could have accumulated for numerous reasons such as an unfortunate hardship, overspending, divorce, and other reasons. Getting help will avoid your going delinquent and getting creditor calls.

For tax debt issues, the situation is even more serious because of the expanded collection rights tax authorities such as the IRS or States have. Debts could be a result of mistakes from a prior tax preparer, under withholding, failure to submit payroll tax withholdings to the IRS, identity theft, audit, or other reasons.

Having debt issues is stressful. One starts to lose sleep and feels pressured. Normal activities don’t feel as enjoyable. If you have tax debt, it can be stressful and have you feeling even more pressured because taxing authorities have the power to garnish, levy, put a tax lien on your home to ensure they get paid.

The good news is that there are legal solutions to help resolve your financial issues. For unsecured debts, there are various options such as debt consolidation, debt settlement,debt negotiation, and others. For tax debt issues, there are various solutions such as correcting prior mistakes done by the CPA, tax attorney, or tax preparation software, Installment Agreements, Currently Non-Collectible, Offer In Compromise, filing returns for Substitute Filed Returns, Audit Defense, Partial Payment Installment Agreements, and more.

Resources