Candice Edwards
Candice Gillingwater is a credit specialist and consumer advocate currently living in Georgia. Her goal is to educate the public about debt management, illegal collection tactics, and credit scores.
Gillingwater graduated from Columbus State University in Columbus, Ga., in 2003 with a B.A. in English. She taught junior high school for one year before deciding to pursue credit repair full time, taking on private clients and occasionally engaging in third party corporate credit consulting.
As an environmentalist, Gillingwater believes that preserving natural resources is a vital part of providing a future for upcoming generations. She believes that if every U.S. citizen could see what goes into landfills and their impact on the surrounding natural environment, they'd take recycling and conserving the Earth's available resources much more seriously.
An avid gamer, Gillingwater adores video games and has a separate monthly budget set aside soley for video game purchases. She's played and beaten hundreds of titles on a variety of platforms. Her all-time favorites are the Metal Gear Solid series, Starcraft, Xenogears, World of Warcraft and Final Fantasy IX.
She has spent time living in both the U.S. and Canada and has had her work referenced by Canada's Financial Post, The Ottawa Citizen and The Phoenix Sun Times.
Latest Articles
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No Credit Check Mortgage Loan Qualification
No credit check mortgage loans are available from some lenders. Home loans without a credit inquiry require applicants to meet certain criteria to qualify.
Feb 15, 2011
- Candice Edwards
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Rebuild Credit After Chapter 7 or Chapter 13 Bankruptcy Discharge
A Chapter 7 or Chapter 13 bankruptcy discharge will decimate your credit score. Take action. Rebuild your credit with positive trade lines post-bankruptcy.
Feb 10, 2011
- Candice Edwards
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Safest SUVs On the Market: 2010 and 2011 Models
Some new 2010 and 2011 SUVs come standard with auto safety features such as side curtain airbags - making them a wise choice for those with safety concerns.
Feb 9, 2011
- Candice Edwards
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Used Car Self-Inspection: Diagnose Car Problems Before Buying
When conducting a self-inspection, look for signs of engine trouble or transmission problems in order to avoid a car that will cost you thousands to repair.
Jan 13, 2011
- Candice Edwards
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Establish a Credit History Using Student Credit Cards in College
If you have no credit, you can establish a credit history while in college by applying for a student credit card. Restrictions apply for students under 21.
Jan 11, 2011
- Candice Edwards
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Can a Collection Agency Garnish a Federal Income Tax Refund?
Private collection agencies cannot garnish your tax refund directly from the IRS, but debt collectors may seek other ways to seize your tax return money.
Jan 9, 2011
- Candice Edwards
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How to Rent an Apartment With Bad Credit or Poor Credit
Bad credit or poor credit doesn't have to stop you from renting an apartment. You have options to boost your score and get your rental application approved.
Jan 8, 2011
- Candice Edwards
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Mortgage Co-signer Responsible for Deficiency After Foreclosure
A home loan co-signer retains responsibility for paying off a mortgage loan's deficiency balance after the primary borrower loses the home to foreclosure.
Jan 2, 2011
- Candice Edwards
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Lawsuit Statute of Limitations for Collection Agency Debt
State laws protect you from collection agency lawsuits after the debt collection statute of limitations passes - preventing a civil judgment on your record.
Jan 2, 2011
- Candice Edwards
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Credit Counseling's Debt Management Plan May Hurt Credit Scores
A debt management plan through a credit counseling agency may help you reduce your debts, but the debt reduction methods can damage your credit rating.
Jan 1, 2011
- Candice Edwards
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