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The Credit App: Strategic Finance & Credit Reporting Blog


How Mechanics Liens Protect Contractors and Suppliers
In this article, we will discuss how mechanics liens function, their advantages for contractors and suppliers, and the essential steps to file one effectively.
Credit App
2 days ago4 min read
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What Is a Lien on a House?
Many homeowners often struggle with the lien laws by state. Hence, they continue to ask, Is there a lien on my house? Read on this detailed guide.
Credit App
3 days ago4 min read
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Mechanics Lien vs. Construction Lien
Payment for work completed or materials supplied in the construction industry must be made on time. Contractors, subcontractors, laborers, and suppliers often have to deal with delayed or withheld payments.
Credit App
Sep 85 min read
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How to Place a Lien on a Property
A mechanic's lien  is a legal remedy for unpaid contractors, subcontractors, suppliers, and laborers who have made improvements to a property. Such a lien constitutes  a charge on the property title in Texas, thereby  creating a "cloud" on the title—an encumbrance that would materially affect a property's ability to be sold, refinanced, or transferred until cleared . It originates in the Texas Constitution and Chapter 53 of the Texas Property Code. The lien process must be fo
Credit App
Sep 44 min read
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The 3 Top Credit Bureaus: Equifax, Experian and TransUnion
Every time you have swiped for a new credit card, signed off on a car loan, filled out a rental application, or tried to finance...
Credit App
Jul 226 min read
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What Is a Collection Agency? How It Works & Your Rights
A collection agency is a company that pursues payments on delinquent debts. These debts can originate from credit cards, medical bills,...
Credit App
Jul 144 min read
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How to File a Mechanics Lien
In this blog, you will learn what a mechanics lien, how it compares to other types of liens, and most importantly.
Credit App
Jun 95 min read
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What Are the Different Types of Liens?
What are the different types of liens? A Lien is a crucial aspect for any entity that offers loans.
Credit App
Mar 264 min read
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Can Individuals Report to the Credit Bureau?
A common question among consumers is whether they can report directly to credit bureaus. The answer is no—individuals can’t self-report.
Credit App
Feb 273 min read
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Understanding How eOSCAR Impacts Debt Collection for Your Small Business
Understanding how eOSCAR impacts debt collection is essential for small businesses aiming to improve their recovery processes.
Credit App
Jan 93 min read
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Consumer Debt vs Commercial Debt - Key Differences
Debt plays a significant role in both individual and business financial operations, but not all debts are created equal. In the United...
livewirewebseo
Dec 20, 20243 min read
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Proven Strategy on How to Report Credit and Improve Collection Rates
Credit reporting is a powerful tool for businesses aiming to improve collection rates and maintain financial stability.
Credit App
Nov 18, 20243 min read
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How to Report Credit and Protect Your Business from Bad Debts
In today's fast-paced business environment, extending credit to customers can be a strategic move to boost sales and foster long-term...
Credit App
Oct 23, 20243 min read
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What if The Debt Collection is Against a Deceased Person
What if the debt collection is against a deceased person? Read this post to learn about if debt collection is against a deceased person.
Credit App
Jul 30, 20243 min read
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How to Handle Clients Not Paying Invoices
Should you take legal action against a nonpaying customer.? This blog will offer you ways how to handle clients not paying invoices.
Credit App
Jul 22, 20243 min read
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What is the Fair Credit Reporting Act in California?
What is the Fair Credit Reporting Act? Explore what the Fair Credit Reporting Act (FCRA) entails, and how it affects Californians.
Credit App
Jun 20, 20243 min read
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What is an eOSCAR and How it Work?
eOSCAR stands for "Online Solution for Complete and Accurate Reporting." Read on to learn more about e-OSCAR.
Credit App
May 26, 20243 min read
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What Credit Reporting Agency Does Capital One Use
The credit reporting bureau play an important roles in the world of lending and borrowing.
Credit App
Apr 18, 20244 min read
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How to Become a Data Furnisher in The United States
A detailed guide on what is data furnishers and how to become a data furnisher in the United States, step-by-step process from on-boarding
Credit App
Mar 18, 20248 min read
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Understanding Debt Collection vs Debt Recovery
In the intricate world of finance, the terms "debt collection" and "debt recovery" often find themselves intertwined, yet they represent...
Credit App
Jan 30, 20243 min read
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