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...