melissacook

Melissa Cook

Melissa has a degree in English and marketing from University of California Irvine. She is a creative and accomplished content writer and editor with comprehensive experience developing rich, compelling content for a variety of websites. With her expertise in writing a broad range of content, combined with outstanding interpersonal skills and commitment to exploring innovative ideas, Melissa has done an excellent job developing content for blogs, articles, social media, and the company website. When she is not writing, Melissa spends most of her time cooking, traveling the world, and catching her favorite Broadway shows.


Tax Consequences Of Debt Settlement (A Simple Guide)

Updated Feb 29, 2024
By Melissa Cook
Tax Consequences Of Debt Settlement (A Simple Guide)

In most cases, the majority of people receiving 1099-C forms were insolvent or mostly insolvent when their debt was forgiven. And by filling out this IRS form, they can avoid paying...

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Why Is My Credit Score Different On Different Websites?

Updated Feb 21, 2024
By Melissa Cook
Why Is My Credit Score Different On Different Websites?

When it comes to the representation of your financial health and lendability, few things are as crucial as your credit score. It’s a key factor in determining your ability to obtain...

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Credit Card Debt Forgiveness For The Disabled: How It Works

Updated Feb 07, 2024
By Melissa Cook
Credit Card Debt Forgiveness For The Disabled: How It Works

Living with one or more disabilities can be tough, but this guide aims to shed light on credit card debt forgiveness for disabled individuals, providing essential information and...

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Should I Use My 401(k) To Pay Off Debt? (Consider These Factors)

Updated Jan 30, 2024
By Melissa Cook
Should I Use My 401(k) To Pay Off Debt? (Consider These Factors)

Many people facing financial difficulties find themselves questioning whether or not they should use their 401(k) plan or other retirement savings to pay off their debts. Here's what you...

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Does Filing For Unemployment Affect Your Credit Score? (The Truth Revealed)

Updated Jan 25, 2024
By Melissa Cook
Does Filing For Unemployment Affect Your Credit Score? (The Truth Revealed)

Simply put, filing for unemployment doesn't directly impact your credit score, nor does it show on your credit report. However, some trickle-down effects can indirectly affect your...

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What Happens To Debt After Divorce? (What You Should Know)

Updated Jan 17, 2024
By Melissa Cook
What Happens To Debt After Divorce? (What You Should Know)

When facing a separation or the dissolution of a marriage, a common initial concern revolves around responsibility for one's spouse's debts post-divorce.  Here's what you need to know...

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How Does A Late Payment Affect Your Credit Score?

Updated Jan 11, 2024
By Melissa Cook
How Does A Late Payment Affect Your Credit Score?

Most people don’t know this, but even if you have otherwise spotless credit, a payment that's more than 30 days past due can knock as many as 100 points off your credit score and...

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DIY Debt Settlement Versus Debt Relief Companies: Which One Is Better?

Updated Jan 05, 2024
By Melissa Cook
DIY Debt Settlement Versus Debt Relief Companies: Which One Is Better?

When dealing with creditors, you have two options: seeking Do It Yourself (DIY) settlements or working with a debt relief company. And while both options can lead to the same results...

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Easy Financial Resolutions To Make For The New Year

Updated Dec 20, 2023
By Melissa Cook
Easy Financial Resolutions To Make For The New Year

While many people choose to become more fit, try a new hobby, or to read more, choosing to focus on improving your finances can have a direct and lasting impact on your future...

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