Guide to Disclosing Income on Your Credit Card Application

Edited by Hannah Locklear

According to a NerdWallet article, 25% of credit card applicants admit to being unclear about accurately disclosing their income.

Disclosing your income is more than just stating a number; it's about understanding what counts and what doesn't and how to ensure your application paints an accurate picture of your financial standing. With countless myths and misconceptions surrounding this topic, this guide aims to demystify the process.

Whether you're a freelancer juggling multiple gigs or a full-time employee with a steady paycheck, we'll break down everything you need to know about disclosing income on your credit card application. Dive in to arm yourself with the knowledge to make or break your next credit card approval.

Sued for credit card debt? Settle your debts with the help of SoloSettle.

What is income disclosure?

In the complex world of applying for a credit card, income disclosure plays a pivotal role. Simply put, it's the window through which lenders view your financial stability. This isn't about vanity or displaying wealth; it's a practical and essential component in showcasing your creditworthiness.

Income disclosure refers to the act of revealing or documenting the sources and amounts of income received by an individual or entity, often for purposes of taxation, financial verification, or regulatory compliance. It provides transparency about earnings and can be a requirement for many professionals or businesses to ensure honesty and compliance with laws.

• Diverse Earnings: It's common for individuals to have varied income streams—side hustles, dividends, or freelance projects. Recognizing what to disclose can make a difference in the eyes of lenders.
• Honesty Holds Value: Transparency is paramount. Misrepresenting figures can lead to declined applications or unforeseen challenges down the road.
• Data Privacy: Rest assured, the financial information you share is protected under stringent privacy laws. It's held in confidence solely for assessing your credit card eligibility.

Grasping the nuances of income disclosure ensures you approach credit applications informed, ready, and with the best foot forward.

Provide accurate information when disclosing your income

In the world of credit, accuracy isn't just encouraged—it's imperative. When filling out credit card applications, your income isn't a mere figure but a testament to your financial discipline.

• All Sources Count: Many people only consider their main job when mentioning their income. But if you have secondary sources of revenue like freelance gigs, side hustles, or rental earnings, these count too. Include all legitimate streams to present a comprehensive picture.
• Avoid Guesswork: Estimations can land you in trouble. Always use the most recent documentation or paystubs to provide the most up-to-date figures. Overestimations or under-reporting can lead to complications or even declined applications.
• Repercussions of Inaccuracy: Misrepresenting your income intentionally or by mistake isn't just unethical. It can lead to distrust from financial institutions and affect future borrowing opportunities.

Your income disclosure should be a mirror reflection of your earnings. An honest approach strengthens your application and builds credibility with lenders.

Follow these steps to disclose your income correctly

Navigating the maze of credit card applications can be daunting, especially regarding the income disclosure segment. Let's break down the steps to ensure you're on the right track.

1. Review the credit card application thoroughly

Jumping headfirst into a credit card application without due diligence can lead to oversights and errors. It's not just about filling boxes; it's about understanding each section's implications.

Begin by setting aside uninterrupted time to go through the form. Pay special attention to the income disclosure section, ensuring you have relevant documents. Remember any fine print, terms affecting your eligibility, or the card's benefits.

Each field exists for a reason. If there's something you need help understanding, seek clarification. Thoroughness increases your chances of approval and ensures you're selecting the right card for your needs.

2. Differentiate between gross and net income

Gross income is your total earnings before any deductions, encompassing salaries, bonuses, and other income streams. It's the big picture, the full amount you receive.

Net income represents what you take home after all deductions—think taxes, Social Security, and healthcare premiums. This is the amount you have for expenses and savings. Knowing the form's required figure is vital when disclosing income on credit applications.

Misrepresenting or confusing the two can result in inaccuracies that impact your approval chances or credit limit. Always read instructions meticulously and provide the correct data.

3. Include co-applicant or household income if applicable

Navigating the waters of credit card applications can sometimes involve more than your solo earnings, especially when considering household or co-applicant incomes. If you're applying jointly or the card issuer allows for including a partner's or household's income, it broadens the financial picture presented to the lender. This cumulative figure can often enhance your eligibility or raise the credit limit granted.

Ensuring that any co-applicant or household income you include is verifiable and consistent is crucial. Don't just add figures on a whim.

Ensure you have the documentation and understand any shared responsibilities of merging incomes on an application. Proper representation, in this case, builds trust and enhances approval odds.

Consider this

From self-employment dynamics to the implications of periodical incomes, here are some special considerations to help you navigate your application process confidently and clearly.

Different types of credit cards have different income requirements

Credit cards aren't one-size-fits-all. Just as they come with varied benefits, their income prerequisites also differ. Standard credit cards, tailored for everyday users, often have moderate-income requirements, ensuring they're accessible to a broad audience.

Premium or elite cards, with lavish perks and rewards, typically come with steeper income thresholds, targeting a niche demographic. Secured credit cards, designed primarily for those building or repairing credit, may have more lenient income guidelines, given the security deposit provided.

Recognizing where you stand income-wise can guide you toward a card that matches your financial profile and needs.

You still have options if you have a limited credit history

Navigating the credit landscape as a student or someone with a limited credit history can feel like stepping into uncharted waters. Unlike seasoned applicants, your financial canvas might seem sparse, but that doesn't mean opportunities are absent.

Credit card issuers understand that everyone starts somewhere. For students, cards are explicitly tailored to their needs, acknowledging the likelihood of minimal income and nascent credit profiles. These cards often come with beginner-friendly perks, financial education resources, and sometimes even reward academic excellence.

For those with limited credit histories, secured credit cards might be suitable. These require a security deposit but offer a platform to build or rebuild credit responsibly. It's not about where you start but how you manage and grow your financial journey.

Retirees or non-employment-based income may still be reported on your income disclosure

Retirement or non-traditional income sources don't close the door to the world of credit cards—quite the opposite. The regular paycheck might have ceased for retirees; other income streams like pensions, Social Security benefits, or retirement account withdrawals play a pivotal role. These can and should be considered when disclosing income.

For those reliant on non-employment sources—such as alimony, investment dividends, or rental incomes—these avenues paint a clear picture of your financial health. The key is documentation.

Ensure you can provide verifiable proof of these incomes when applying. Credit card issuers value consistency and reliability, so showcasing steady, non-employment-based income can still position you favorably in the eyes of lenders. It's all about the broader financial story you tell.

Supporting documents are often required

From the type of documents required to their significance in painting your financial portrait, this section ensures you're fully equipped to present your case confidently. When making your case for a credit card, what you present as proof can be a game-changer. Typically, lenders look for:

• Pay Stubs: A snapshot of recent earnings, they're pivotal for salaried individuals. These offer a real-time glimpse into your earnings, displaying not just the gross income but also deductions, ensuring transparency about your financial inflow.
• Tax Returns: These provide an annual overview, reflecting your earnings and tax obligations. For self-employed or freelance individuals, they can be especially significant, attesting to consistent yearly income.
• Bank Statements: Often used to verify regular deposits or demonstrate consistent cash flow. More than just a ledger of transactions, these documents reveal patterns, from consistent monthly deposits to expense management, painting a holistic picture of financial wisdom.
• Proof of Additional Income: Freelance contracts, rental agreements, or dividend statements can attest to other income sources.
• Benefits Documentation: Official letters or statements validate these earnings for those on government aid or pensions.

The specific requirements can vary based on the issuer and the card type. Having a comprehensive set of relevant documents at your fingertips can streamline the application process and enhance credibility.

These documents don’t just verify income claims; they weave a narrative of financial stability and reliability, crucial for lenders assessing creditworthiness.

Handle your proof of income with care

In today's digital age, handling financial documentation requires a blend of traditional and modern practices. Here's how to navigate both terrains:

• Electronic Documentation: Opt for secure cloud storage solutions with encryption to store e-statements, digital pay stubs, and tax returns. Ensure regular backups and use strong, unique passwords.
• Physical Documentation: Many have transitioned to e-docs, but physical copies like printed bank statements or tax forms still hold weight. Keep these in a locked, fireproof filing cabinet. Periodically review and discard outdated documents, ensuring they're shredded for security.
• Access and Sharing: Only access your financial documents over secure networks. If sharing, use encrypted methods, and be cautious of whom you share with.

Balancing between electronic and physical realms requires vigilance and organization, ensuring your financial data remains accessible and protected.

Your income information should be protected

Reputable banks and credit card companies invest heavily in advanced data protection measures. Always check for a secured connection before entering details. Only share income information over the phone or email if you know the receiver's authenticity. Your financial privacy matters, and taking these steps safeguards your data.

When you apply for a credit card, disclosing your income isn’t just a mundane step. It is pivotal in helping lenders assess your creditworthiness and determine your credit limit. It provides a snapshot of your financial stability and ability to manage repayments.

Notably, financial institutions must handle this sensitive information with the utmost care. Legally, they must employ rigorous data protection measures to ensure your income details remain confidential and secure from unauthorized access or breaches.

Your income information informs crucial lending decisions, and its integrity and privacy are protected at the highest level.

Legal frameworks also exist to ensure both consumers and financial institutions play fair. Regions ensure that your income and other personal details are handled securely and transparently. Banks and credit card companies must also provide clear terms, avoiding hidden fees or deceptive practices. In disputes, there are regulatory bodies you can turn to for resolution. You have legal channels to address grievances if your data has been mishandled.

It's essential to stay informed about these rules, as they serve as your safety net, guaranteeing fair treatment and protection in the financial realm.

Avoid these common mistakes

Let's highlight some common mistakes to ensure your path remains smooth and beneficial, safeguarding your finances and peace of mind.

Don’t exaggerate your income just to get a higher credit limit

Inflating your income can lead to unfavorable outcomes. You risk getting a credit limit that might be unmanageable for your financial situation. This can quickly spiral into debt accumulation and damage your credit score.

Knowingly providing false information is not just a breach of trust; it can have legal repercussions. Credit card companies may conduct random income verifications, and inconsistencies can result in account closures or other penalties.

The best strategy? Be honest. A credit limit that aligns with your genuine income ensures financial wellness and peace of mind.

Underreporting your income can lead to rejection

Undervaluing your earnings can inadvertently paint a picture of financial instability or insufficient capacity to manage credit. As a result, lenders might deem you a higher risk and reject your application. Not only does this deny you access to potential credit, but frequent rejections can also raise red flags on your credit report. It's crucial to provide an accurate representation of your financial standing.

By presenting a truthful snapshot of your income, you increase your chances of approval and pave the way for a healthier credit relationship.

Premium cards come with income requirements

With their enticing rewards and exclusive perks, Premium credit cards are alluring. However, they come with specific income thresholds for a reason. These cards are designed for individuals with substantial earnings, ensuring they can manage higher spending and repayment levels. Misinterpreting or overlooking these requirements can lead to disappointment.

Applying without meeting the criteria can result in a swift rejection, potentially decreasing your credit score. It's not about discouraging you but matching you with a card that aligns with your financial profile.

Always research and understand the income prerequisites before applying. This proactive approach ensures you select a card that complements your financial landscape and maximizes benefits without overstretching.

Seek guidance

Making mistakes in your application can lead to rejections or complications. Professional guidance ensures you navigate this process confidently and accurately, minimizing potential hurdles. It's always better to be sure than to guess.

Consult financial advisors for complex income situations

Sometimes, our earnings are more complex than a regular paycheck. You may have a side hustle, dividends, or rental properties adding to your income stream. In such scenarios, determining the correct amount to report on a credit card application can be confusing.

This is where financial advisors come into play. Their expertise can help untangle intricate income situations, ensuring you represent your finances accurately. Making the right financial moves is crucial, especially to overcome college debt.

By seeking their advice, you ensure a smooth application process and a clearer understanding of your financial landscape. It's an investment in accuracy and peace of mind.

Call customer service to clarify any doubts

If you need clarification on any section, particularly income disclosure, it's wise to contact the card provider's customer service. They are equipped to guide you through the specifics, ensuring you complete your application correctly. Before making assumptions or feeling stuck, a simple phone call or chat can clarify matters.

Each credit card issuer might have different criteria or definitions of income. You avoid errors and ensure a smoother application process by approaching customer service promptly. It's all about being proactive for the best results.

Be honest about your income

Disclosing income on a credit card application isn't just about securing credit; it's also about integrity and adherence to the law. Always provide accurate and truthful figures, avoiding the temptation to inflate numbers. Misrepresentation can lead to severe repercussions, both legally and with your credibility.

Being transparent about your earnings ensures you're given a credit limit that matches your financial capacity, guarding against potential debt pitfalls. Should you ever be uncertain about income sources or how to disclose them, always lean on caution and seek guidance. Honesty in financial matters fosters trust, a foundation everyone should aspire to maintain.

Resolve your credit card debt

Credit card debt is no joke. In fact, the current consumer debt made up of credit card accounts in the USA is $1 trillion. Knowing this, it’s important to learn about how to resolve your credit card debt in case your finances slip out of your control.

When you stop making payments on your credit card, it won’t take long before you hear from collections. If you avoid the matter long enough, you might find yourself in the midst of a debt lawsuit. If you’ve been sued for credit card debt, SoloSuit can help you respond to the case, protect yourself from a default judgment, and settle your debt before your court date.

The first step to responding to a credit card debt lawsuit is to respond to the case with a written Answer. In your Answer, you should address each claim against you and assert your affirmative defense. Be sure to file your Answer with the court before your state’s deadline and send a copy of it to the opposing lawyer.

Filing an Answer prevents a default judgment. If granted, a default judgment gives the creditor or debt collectors rights to garnish your wages, seize your property, and even freeze your bank account. You obviously want to avoid this, and filing an Answer can help you do so.

After you have filed an Answer to your debt lawsuit, you have bought yourself time to work out a debt settlement plan. Debt settlement is a great option if you can’t afford to pay the full debt before your court date. In a debt settlement, you pay a portion of the amount owed in exchange for a release from the remaining balance.

Generally, offering at least 60% of the debt’s total value is a good starting point. However, if you have extenuating circumstances, your creditor may accept a lower amount. Keep in mind that you may go back and forth with negotiations until both parties are satisfied with the agreement.

Not sure how to negotiate a debt settlement? Watch the following video to learn more about how to settle your credit card debt:

SoloSettle, powered by SoloSuit, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

What is Solo?

Solo makes it easy to resolve debt with debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont; Vermont (Small Claims court)
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

• 11 Charter Communications
• AAA Collections
• Aargon Agency Inc
• Absolute Resolutions Investments LLC
• ACEI Collections
• Account Services
• Accredited Collection Services
• Accredited Collection Services
• Advanced Recovery Systems
• AES NCT
• AFNI Collections
• Alco Capital Group LLC
• Aldous and Associates
• Alliance Collections
• Alliance One
• Alliant Capital Management
• Alpha Recovery Corp
• Alltran Financial
• Alltran Health
• Alorica Inc.
• Amcol Clmbia in Court
• American Coradius International
• American Profit Recovery
• American Recovery Service
• Americollect
• AmSher Collection Services
• Apelles LLC
• AR Resources
• ARC Collections
• ARM Solutions
• Arrow Financial Services
• ARS National Services
• ARSC Debt Collectors
• ARS National Services
• ARstrat
• AscensionPoint Recovery Services
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Atlantic Credit and Finance
• Atradius Collections
• Automated Collection Services, Inc.
• Autovest LLC
• Avante USA
• Avantus
• AWA Collections
• Balekian Hayes
• Bay Area Receivables
• BCA Financial Services
• BC Services
• Benuck and Rainey
• Berlin-Wheeler
• Bluebonnet Financial LLC
• Bonneville Collections
• Bull City Financial
• Bureaus Investment Group
• Cach LLC
• Caine and Weiner
• Capio Partners
• Capital Accounts
• Capital Collections
• Capital Management Services
• CardWorks
• Carmel Financial/New Coast Direct
• Cavalry SPV I LLC
• CBCInnovis
• CBCS Collections
• CBE Group
• CBV Collections
• CCB Credit Services
• CCS Collections
• CCS Offices
• Central Mediation Services
• Central Portfolio Control
• Cerastes LLC
• Choice Recovery
• Choice Recovery Inc
• CKS Financial
• CKMS Financial
• Client Services
• CMRE Financial Services
• COAF
• Coast Professional
• Comenity Bank Debt Collection
• Commonwealth Financial
• ConServe Debt Collection
• Consumer Collection Management
• Contract Callers Inc
• Convergent Healthcare Recoveries
• Convergent Outsourcing
• Couch Conville & Blitt
• Covington Credit
• CRDT First
• Credco in Court
• Credence Resource Management
• Credit Bureau Systems
• Credit Control Corporation
• Credit Management Company
• Credit Management LP
• Credit Systems
• Credit Systems
• CSIEZPay
• CTC Debt Collector
• CVCS Debt Collection
• Cypress Financial Recoveries
• D&A Services
• Daniels, Norelli, Cecere & Tavel P.C.
• DCM Services
• Debt Recovery Solutions
• Delanor Kemper & Associates
• Department Stores National Bank
• Direct Recovery Associates
• Discover Collections
• Diversified Adjustment
• Diversified Consultants
• Diversified Recovery Bureau
• DNF Associates, LLC
• Dodeka LLC
• DRS Credit
• Dynamic Collectors
• Eagle Loan
• Eagle Accounts Group, Inc.
• Eastern Account System
• EduCap
• Ellington and Associates Collections
• Encore Capital Group
• Enerson Law
• Enerson Law LLC
• Enhanced Recovery Company
• EOS CCA
• ERC Collections
• ERSolutions
• Estate Information Services
• Equable Ascent Financial
• Everest Business Funding
• Executive Credit Management
• Faber and Brand
• Factual Data
• Falls Collection Service
• FBCS
• FCO Collections and Outsourcing
• FIA Card Services
• fin rec svc (Financial Recovery Services)
• First Federal Credit Credit Control
• First Financial Bank
• First Portfolio Ventures LLC
• First Progress
• FirstPoint Collection Resources
• Firstsource Advantage
• FMA Alliance
• FNB Omaha
• Forster & Garbus
• Franklin Collection Services
• Freedom Plus
• Freshview Solutions
• Frontline Asset
• Frost Arnett
• Fulton Friedman & Gullace LLP
• Galaxy International Purchasing, LLC
• GC Debt Collection
• GC Services
• General Revenue Corporation
• GLA Collections
• Glass Mountain Capital
• Glasser and Glasser
• Global Credit Collection Corp
• Global Trust Management
• GMAC Financing
• Golden 1 Credit Union
• Grant and Weber
• Grant Mercantile Agency
• Gulf Coast Collection Bureau
• Gurstel
• Halsted Financial Services
• Harris and Harris
• Harvard Collection
• Harvest Credit Management
• Helvey and Associates
• Hollis Cobb
• Holloway Moxley
• Hosto Buchan
• Howard Lee Schiff
• H&R Accounts
• HRRG
• Hudson & Keyse LLC?
• Hunter Warfield
• IC System
• Impact Receivables Management
• Innovative Recovery
• Integras Capital Recovery LLC
• Javitch Block
• JHPDE Finance 1 LLC
• JP Receivables Management Partners
• JPMCB card
• Kenneth Eisen and Associates
• KeyBank student loans
• Kinum
• Kirschenbaum, Phillips & Levy P.C.
• KLS Financial Services
• Kramer & Frank
• Lakeside Collection
• Lending Club
• Lincoln and Morgan Kabbage
• Linebarger Goggan Blair & Sampson LLP
• Lockhart Collection Agency
• LJ Ross Associates
• LTD Collections
• Malcolm S. Gerald and Associates
• Malen & Associates
• Mandarich Law Group
• Mannbracken
• Marcam Associates
• MARS Inc. Collections
• MBA Law
• MCA Management Company
• McCarthy, Burgess & Wolff
• Meade & Associates
• Medicredit
• Mercantile Adjustment Bureau
• Merchants Credit Association
• MGM Collections
• Michael J Adams PC
• Midland Funding LLC
• Mid-South Adjustment
• Monarch Recovery
• Monterey Financial
• Moss Law Firm
• Mountain Land Collections
• MRS Associates
• MRS BPO
• MSW Capital LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Nathan and Nathan PC
• National Collegiate Trust
• National Credit Adjusters
• National Credit Care
• National Credit Systems
• National Enterprise Systems
• National Recovery Agency
• National Recovery Solutions
• Nationstar
• Nationwide Credit
• Nationwide Recovery Services
• Nationwide Recovery Systems
• NCEP LLC
• NCO Financial Systems Incorporated
• North American Recovery
• Northland Group
• Northstar Capital Acquisition
• Northstar Location Services
• NPAS
• NRC Collection Agency
• Oliver Adjustment Company
• Oliphant Financial, LLC
• Oportun
• P&B Capital Group
• PCB Collections Agency
• Palisades Collection LLC
• Pallida LLC
• Paragon Contracting Services
• Paragon Revenue Group
• Payday Loan Debt Collectors
• Pendrick Capital Partners
• Penn Credit
• Perdue Brandon
• Persolve LLC
• Phillips & Cohen Associates
• Phoenix Financial Services
• Pioneer Credit Recovery
• PMAB LLC
• PRA Group, Inc.
• Pressler, Felt & Warshaw LLP
• Prestige Services, Inc.
• Prince Parker and Associates
• ProCollect
• Professional Finance Company
• Progressive Management Systems
• Provest Law
• PYOD LLC
• Quaternary Collection Agency
• RAB Collection Agency
• Rash Curtis and Associates
• Radius Global SOL
• Radius Global Solutions
• Rawlings Company
• Razor Capital
• Real Time Resolutions
• Receivables Performance Management
• Regents and Associates
• Reliant Capital Solutions
• RentGrow
• Resurgent
• Resurgent Capital Services and LVNV Funding
• Revco Solutions
• Revenue Enterprises LLC
• Revenue Group
• RGS Financial, Inc.
• RMP LLC in Court
• RMP Services
• RS Clark and Associates
• RSIEH
• RSIEH
• RTR Financial Services
• Rubin & Rothman
• Salander Enterprises LLC
• Samara Portfolio Management
• SCA Collections
• Scott Parnell and Associates
• Second Round Collections
• Second Round Sub LLC
• Selip & Stylianou LLP
• Sequium Asset Solutions
• Sessoms and Rogers
• Sherman Acquisition
• Sherman Financial Group
• SIMM Associates
• Source Receivables Management
• Southern Management Systems
• Southwest Credit Group
• Spire Recovery Solutions
• SRS Company
• Stark Collection Agency
• State Collection Service
• Stenger and Stenger
• Stillman Law Office
• Summit Account Resolution
• Sunrise Credit Services
• Superlative RM Debt Collector
• Suttell and Hammer
• Synergetic Communication
• Synerprise Consulting
• The Law Office of Michael J Scott
• Trellis Company
• Troy Capital
• TRS Recovery Services
• TrueAccord
• Tulsa Teachers Credit Union
• UCB Collection
• UHG 1, LLC
• Unifin
• Unifin Debt Collector
• Unifund
• Universal Credit Services
• US Bank Collections
• USAA collections
• USCB America
• Valentine and Kebartas
• Valley Servicing
• Vance & Huffman LLC
• Van Ru Credit Corporation
• Velo Law Office
• Velocity Investments
• Viking Client Services
• Wakefield and Associates
• Waypoint Resource Group
• WCTCB
• Weinberg and Associates
• Weltman, Weinberg & Reis
• Westwood Funding
• Williams and Fudge
• Wilshire Consumer Credit
• Wolpoff & Abramson
• Worldwide Asset Purchasing
• www.AutomotiveCredit.com
• Zarzaur & Schwartz
• Zwicker & Associates

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

• American Express; American Express – Debt Collection
• Bank of America
• Barclay
• Best Buy Credit Card
• Capital One
• Chase
• Credit One Bank
• Old Navy Credit Card
• PayPal Synchrony Card
• Regional Finance
• Retailers National Bank
• Reunion Student Loan Finance Corporation
• SYNCB/PPEXTR
• Synchrony Bank
• Synchrony Walmart Card
• Target National Bank
• Webbank
• Wells Fargo
• Can I Pay My Original Creditor Instead of a Debt Collection Agency?
• Can I Settle a Debt with the Original Creditor?

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

• Am I Responsible for My Spouse's Medical Debt?
• Do I Need a Lawyer for Medical Bills?
• Do I Need a Lawyer to Fight Medical Bill Debt?
• Does Bankruptcy Clear Medical Debt?
• How Much Do Collection Agencies Pay for Medical Debt?
• How to Find Medical Debt Forgiveness Programs
• Is There a Statute of Limitations on Medical Bills?
• Medical Debt Statute of Limitations by State
• Summoned to Court for Medical Bills — What Do I Do?
• Summoned to Court for Medical Bills? What to Do Next

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

• How Arbitration Works
• How to Find an Arbitration Clause in Your Credit Agreement
• How to Make a Motion to Compel Arbitration
• How to Make a Motion to Compel Arbitration in Florida
• How to Make a Motion to Compel Arbitration Without an Attorney
• How Credit Card Arbitration Works
• Motion to Compel Arbitration in California
• Sample Motion to Compel Arbitration

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

• 1-800-390-7584
• 800-289-8004
• 800-955-6600
• 8009556600
• 877-366-0169
• 877-591-0747
• 800-278-2420
• 800-604-0064
• 800-846-6406
• 877-317-0948
• 888-899-4332
• 888-912-7925
• 202-367-9070
• 502-267-7522

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

• 15 USC 1692 Explained
• Does the Fair Credit Reporting Act Work in Florida?
• FDCPA Violations List
• How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
• How to Make a Fair Debt Collection Practices Act Demand Letter
• How to Submit a Transunion Dispute
• How to Submit an Equifax Dispute
• How to Submit an Experian Dispute
• What Debt Collectors Cannot Do — FDCPA Explained
• What Does Account Information Disputed by Consumer Meets FCRA Requirements Mean?
• What does “meets FCRA requirements” mean?
• What does FCRA stand for?
• What is the Consumer Credit Protection Act