Pre-qualified never means pre-pay

Posted on April 25th, 2008 by Sonya Smith-Valentine, Valentine Legal Group

The scam:  You’ve been told that you’ve been “pre-qualified” to get a low interest loan or credit card but the company needs you to pay a processing fee of several hundred dollars.    The truth:  Legitimate lenders never “guarantee” a credit card or loan before you apply.  A legitimate pre-qualified offer means that you’ve been selected […]

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Filed under: Credit Cards

Pay Those Parking Tickets

Posted on April 6th, 2008 by Sonya Smith-Valentine, Valentine Legal Group

If you don’t intend to dispute the parking ticket you received, cough up the money and pay it timely.  Tardiness is costly.  Many states add hefty late fees to parking tickets that are not paid on time.  Some states will tow your car and other states will withhold your state tax refund.  Some jurisdictions send […]

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Filed under: Credit Reports, Debt Collection