Featured Posts

July 19, 2018

FICO now competes with Vantage Score but Equifax, Experian and TransUnion still offer both
score options. This is partly because FICO is so widely used and accepted by most financial and lending companies. Most mortgage lenders use the FICO scoring platform to evaluate...

October 18, 2017

You asked for it so check back and check it out.

Because the world of credit scoring is largely a mystery, mortgage planners, lenders, and credit experts throughout time have taken educated guesses on which factors determine a person’s score. As it turned out, they were...

October 18, 2017

This is far, far, far from the TRUTH! Read on and do not be fooled!

Q:It is illegal for creditor to take a negative, accurate listing off my credit
report. The law requires that these items remain on the credit report for at
least seven to ten years.

A: When you speak wi...

October 12, 2017

This mistake can be fatal if you are gonna be buying a home.

Q:If I’m having trouble paying my bills, I can go to Consumer Credit Counseling Service and they will help me to restore my credit.

A:Consumer Credit Counseling Service or CCCS is a nonprofit debt
counseling se...

October 12, 2017

Many try to convince themselves that this will work. Here is the FACTS.

Q:If I build enough good credit, it will offset my bad credit and make me credit worthy. After all, I was only late a couple of times.

A: Any amount of bad credit is devastating to your chances of be...

October 12, 2017

Getting Sneaky and Tricky will land you in JAIL. Don’t do this.

Q:By changing numbers in my social security number or by using an EIN tax number, I can fool the bureaus into creating a completely clean, new credit
file under my name.

A: This scheme has proven to be compl...

October 12, 2017

Many consumers get this all wrong. Don’t self verify negative credit.
Q:If you are not satisfied with the results of your credit bureau challenge, you may file a “100-word statement” on your credit report explaining your side of the story. Creditors will read your stat...

October 9, 2017

This might be an eye opener if you declare bankruptcy!

Q: If I declare bankruptcy, I can begin my credit report all over with a clean slate.

A: Many bankruptcy attorneys do not adequately understand or explain the effects of bankruptcy to their clients. Stated simply, ba...

October 9, 2017

Q: Disputing the credit report is easy and any consumer can do it himself for
the price of a few postage stamps.

A: Disputing the credit report is now easier than ever. I have to admit though that it is easy only if you are using the right tool & get the correct advice....

October 9, 2017

If you believe this Myth than you are sure to fail!

Q:There are negative listings, such as bankruptcies and foreclosures, that are
impossible to remove from the credit report.

A:There is no type of negative listing that hasn’t been removed from a credit report thousands...

Please reload

I'm busy working on my blog posts. Watch this space!

Please reload

Recent Posts
Please reload

Please reload

Search By Tags