My name is Cristina Yasakci-Spencer, BA, BCom
A Senior Credit Manager and Financial Administrator with 20 years of experience in the corporate world with the many facets and functions of Credit Granting and Credit Collections, such as:
Consumer & Commercial Lending, Home Equity Loans, Mortgages and 3rd Party Collections.
I Started my Credit Career at Equifax. My decision to merge my expertise and corporate insight created a unique opportunity for credit consumers to have a professional credit specialist to consult with. Offering the opportunity to level the playing ground with one truly dedicated expert upholding the highest professional standards and yet offering practical Teaching you the answers to your credit questions.
HOW TO READ, UNDERSTAND AND MANAGE YOUR CREDIT REPORT
Are you overwhelmed by ALL the Information on the Internet designed to sell you something instead of helping you to understand the single most important document in your LIFE? [Your credit report is you] Yes you read this right! Your must monitor your credit report and rating on a regular basis
What is Identity Theft
The effects of Identity theft can be devastating and can cause long-term problems. Identity theft is someone stealing your Personal Identifying Information (PII) and taking over your entire profile as an individual. It is very hard to detect, because, it usually does not involve a physical theft.
Unfortunately, when dealing with Marriage, Death of a Spouse and Divorce few individuals think of the impact this major change in their lives is going to impact their Credit Report. Credit problems from marriage or divorce are common. Notify credit reporting agencies when you marry, legally separate, or divorce.