Southern Blog

By Charlestien Harris The average consumer knows very little about this law enacted by congress in 1970.  The Fair Credit Reporting Act (FCRA) was enacted to promote accuracy, fairness, and the privacy of personal information assembled by credit reporting agencies. ...

By Charlestien Harris Does it ever feel like your money is hiding from you and that you’re always looking for it?  If this is the case, you are not alone. Maintaining your financial health isn’t a game, but it can certainly feel that way at times.  ...

By Charlestien Harris Right now the housing market is booming and a lot of people are shopping for a mortgage.  Low interest rates and more options for refinancing are driving the market.  This process can be stressful and time-consuming, especially if it’s your first...

By Charlestien Harris This pandemic has forced us to change the way we conduct business and everyday tasks such as eating out, receiving healthcare and paying our bills. One of the main ways consumers meet their financial obligations is through the use of a debit...

By Charlestien Harris I grew up in a household where money was often the subject of conversation.  I learned my basic money skills under the careful guidance of my parents.  I remember my father sitting down with each of us and laying the bills out on the...

By Charlestien Harris Despite the hardships many are facing because of the coronavirus pandemic, there are some who will still try to take advantage of those already struggling. Scams are just as, if not more prevalent now, than before the virus appeared.  Some...

By Charlestien Harris In 2019, there were approximately 43 million housing units occupied by renters in the United States. This is a huge number of people that may possibly be affected by the uptick in eviction notices that have been served or are in the process of...

By Charlestien Harris For many entrepreneurs, opening a business is truly the realization of a dream – one that has likely taken months or years to be realized. Yet in the midst of this dream, a nightmare has occurred. Few business owners likely had “global pandemic”...

By Charlestien Harris The possibility of losing a home because of the pandemic or any unforeseen circumstance is frightening and can devastate the dream of homeownership. Just knowing there are viable home retention solutions that can help homeowners struggling to...

By Charlestien Harris Last week, I shared loss mitigation options for individuals with government sponsored enterprise (GSE) loans that are unable to make mortgage payments due to a COVID-19 financial hardship. This week my attention will focus on the loss mitigation...