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Credit Insurance and Asset Protection: How the Wealthy Shield Their Credit and Wealth

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Brought to you by The SFields Group Visit TheSFieldsGroup.com When it comes to credit, most people focus on building it — but the wealthy focus on protecting it. High-net-worth individuals don’t just use credit as a tool; they use legal structures, insurance strategies, and financial positioning to shield their personal credit and assets from risk, […]

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Hidden Resources for Credit Repair: Legal & Fringe Allies You Should Be Using Use These Uncommon Tools to Defend & Rebuild Your Credit

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Hidden Resources for Credit Repair: Legal & Fringe Allies You Should Be Using Brought to you by The SFields Group Visit TheSFieldsGroup.com Most people think credit repair starts and ends with the credit bureaus. But real credit empowerment comes when you understand what’s beneath the surface — the agencies, tools, and legal pathways that were

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Top Credit Repair Resources Backed by Law (That Most People Don’t Know Exist) Your Legal Allies in Taking Control of Your Credit

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Federal Trade Commission (FTC) https://www.ftc.gov Oversees enforcement of the FCRA Offers free sample dispute letters Allows you to report credit repair scams or illegal debt collection practices Offers powerful consumer education tools Consumer Financial Protection Bureau (CFPB) https://www.consumerfinance.gov Accepts complaints against credit bureaus, debt collectors, and lenders Investigates FCRA violations Offers sample letters to request

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Statute of Limitations vs. Reporting Timelines: What Most People Get Wrong

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Know the Difference. Leverage the Law. Move Strategically.   At The Sfields Group, we often hear one of the most misunderstood—and financially costly—credit misconceptions:“If a debt is still on my credit report, it must still be collectible.” This isn’t just incorrect—it’s potentially damaging to your strategy. That’s why understanding the difference between a statute of

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The CROA: What You Need to Know Before Working with a Credit Repair Company

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At The Sfields Group, we believe credit repair should be strategic, transparent, and compliant. But not every company follows that standard—and not every consumer knows their rights. That’s why it’s critical to understand the Credit Repair Organizations Act (CROA)—a federal law designed to protect you from deceptive, unethical, or predatory credit repair practices. If you’ve

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