2020-12-21 19:32
Credit Repair Checklist…Well Begun is Half Done
Credit Repair Checklist begins with a fearless and candid scrutiny of the information being reported by TransUnion, Experian and Equifa… Read More
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Credit repair improvement services for people having bad credit score. Fix credit score by following necessary steps and revealing easy tricks and tips. Coaching for Do-it-Yourself credit repair.
2020-06-22 12:58
Credit cards are critical to FICO scoring. Only paying your bills on time at 35 percent of your score is a more important scoring factor.
At 30 percent of your score the ratio of debt to… Read More
2020-05-04 14:48
How long does credit repair take? Every credit repair specialist knows that the expected time frame for credit repair progress will be the first question on the client’s mind. It i… Read More
2020-04-25 20:45
Credit Coronavirus Effects Unfolding
No one has a crystal ball capable of revealing the financial uncertainty in the uncharted waters we have to navigate in the future. We need to le… Read More
2020-04-13 19:31
Credit Repair Specialist Targets
A credit repair specialist focuses on FICO score growth and nothing else. Preparing for a consultation with a credit repair specialist is comparable to p… Read More
2019-12-04 16:44
Credit Repair Ultimate Guide
How fast can I improve my credit score?
Credit scoring improvement can be very fast depending on the nature of the problems responsible for the low score… Read More
2019-08-08 18:31
Bad credit mortgages are always a bad idea…except when they’re not.
“What?”, you say. You, a nationally published credit repair coach, uttering such heresy. How… Read More
2019-05-28 15:51
FICO SECRETS: A DEEP DIVE
FICO is short for the Fair Isaac Corporation, by far the largest and most influential credit scoring company in the United States. The FICO scoring s… Read More
2019-05-13 18:37
Under certain circumstances taking out a loan can raise your credit score. How can borrowing more improve your financial profile? A loan can raise your credit score when the consumer has n… Read More
2019-04-22 12:29
Judgment proof assets are the perfect defense to any legal debt collection. When the legal process has run its course a successful plaintiff is awarded a judgment for a fixed amount of mone… Read More
2019-04-03 15:43
Student loans are the birth child of the Higher Education Act of 1965. That law was enacted by Congress for the lofty purpose of “making college available to all students, regar… Read More
2019-03-08 21:02
Auto Loan Influences Overall Credit
Car payments are a fact of life for many people. The average auto loan is 5 years, 9 months with a $523.00 average payment. Average int… Read More
2019-03-04 18:00
Balance transfer considerations may have consequences that are not immediately apparent on the surface. Why should you not trade in a high interest balance for a fixed period of interest f… Read More
2019-02-19 20:21
FIVE CREDIT REPORT CATEGORIES
If you are nervous about examining your credit reports you are not alone. Many people shy away from actually pulling credit reports for fear of wha… Read More
2019-02-05 20:14
In the 10 years I have been writing about credit repair related topics no topic has been more popular than my entries debunking popular credit repair myths regarding the credit scoring proce… Read More
2019-01-28 16:13
Credit score creation from the point of view of a consumer who has no file at all with the 3 major credit reporting bureaus presents interesting and unique challenges. How does a consumer s… Read More
2019-01-20 02:23
We all know that credit cards with balances cost the holder high credit card interest rates. This interest is not applied as simple interest. The high percentage credit card… Read More
2019-01-13 16:36
Credit Education Woefully Ignored
Credit education is universally ignored by American educators. Illiteracy in consumer finance basics is the norm, not the exception. Middle schools, hig… Read More
2018-12-28 19:06
If you are sued by an original creditor such as a merchant or service provider in small claims court don’t just ignore it. It costs nothing to file an answer. Add a counterclai… Read More
2018-12-19 14:56
Start Your Own Credit Repair
It is well known that credit repair professionals do not have access to powers that are not available to consumers. Many consumers enjoy studying up on… Read More
2018-12-06 20:57
Credit Repair Essentials
Credit repair is hard enough to be interesting and easy enough to be doable. Planning and study of credit repair essentials are the keys to effective results… Read More
2018-11-21 07:51
Employment Credit Check Traps
Job applicants are sometimes asked to sign a release enabling a prospective employer to access their credit history at one or more credit reporting agencies.&nb&hell…Read More
2018-11-16 20:35
Common Credit Errors
Once you have familiarized yourself with the contents of your credit reports it is time to start identifying and dealing with the “low hanging fruit”. … Read More
2018-11-03 15:02
Zero Percent Store Account Impacts Credit Score
If you accept a zero percent store account offer from a store for a large purchase it will immediately ramp up your credit utilization rate.&n&hell…Read More
2018-10-28 14:35
UltraFICO Woos Underbanked Thin Credit Files
Credit Scoring has always been more about how you handle your finances than how much money you have. It is not uncommon for a minimum wage… Read More
2018-10-05 13:17
Judgments and Liens: New Credit Reporting Rules
Hallelujah! A new day has dawned. New credit reporting rules that kicked in on July 1, 2017 created drastic changes for the… Read More
2018-09-27 18:59
READER’S CHOICE: EXCERPTS FROM MY TOP 10 CREDIT REPAIR ESSAYS
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“Piggybacking”: Lowdown on Authorized Users
The FCC explicitly sta… Read More
2018-09-14 19:17
Date of First Delinquency
The date of first delinquency is critical to measuring the life cycle of that negative entry on the credit report. The date on which you miss your first… Read More
2018-08-02 17:32
Interest Rates (Photo credit: 401(K) 2013)
Interest RateReporting is Deceptive
I don’t know how or why this custom began but there is an assumption built into the interest rate quot… Read More
2018-08-02 17:31
Prepare First for that Rock Bottom Mortgage Rate
English: Mortgage debt (Photo credit: Wikipedia)
When you’re ready to take advantage of today’s rock bottom mortgage rate… Read More
2018-08-02 17:28
It is “OK to Flip Houses”: FHA
Yes, dear reader, you read that right. In a rare triumph of common sense and reason over knee jerk politics the FHA has given its a… Read More
2018-08-02 17:27
20090110 money printing-01 (Photo credit: Wikipedia)
The massive $26 Billion dollar settlement between the government and certain large banks regarding abusive practices, in particular t… Read More
2018-08-02 17:26
Exterior of the Internal Revenue Service office in midtown New York. (Photo credit: Wikipedia)
Home Sale and Taxes
Home selling and Taxes don’t go hand in hand for the vast majority o… Read More
2018-08-02 17:26
Tool rental shop, White Center, Washington. (Photo credit: Wikipedia)
Home Buying or Home Renting?
With rents climbing and home pricescontinuing to show strong signs of stabilizing, th… Read More
2018-08-02 17:25
Logo of the Federal Housing Administration. (Photo credit: Wikipedia)
Bankruptcy and Mortgages
Bankruptcy and mortgages are not necessarily forever mutually exclusive.
A personal bankrupt… Read More
2018-08-02 17:24
Conjoined twin sisters from Nuremberg Chronicle (1493). (Photo credit: Wikipedia)
Housing Boom Coming Say Optimists
Here we go again as it becomes clear that the housing crisis has… Read More
2018-08-02 17:23
Half million dollar house in Salinas, California under foreclosure. (Photo credit: Wikipedia)
Discounted Homes Market Shrinking Rapidly
Discounted homes market shrinking rapidly according t… Read More
2018-08-02 17:22
Home Seller’s Federal Recapture Tax
The home seller’s federal recapture tax is a little known tax that can be assessed against homeowners when they sell who receive a loan financ… Read More
2018-05-17 20:44
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Essential Advice for Potential Homebuyers Are you looking to buy a home? Providers of mortgage loans look into the information contained in your credit… Read More
2018-03-21 19:29
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FICO rules the roost of credit scoring. It is used by 90% of lenders. Vantage scores are good for educating consumers. Vantage scores are free and read… Read More
2018-03-08 21:24
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Credit reports are your financial scorecard. Information vital to lenders is rated and scored by FICO to determine your score. Understanding credit rep… Read More
2017-07-25 15:11
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Credit Scoring Education Non-Existent Lack of credit scoring education is a glaring deficiency in the United States educational system. I get num… Read More
2017-07-05 14:12
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Trended Data Tracks Borrowing Behavior Over Time Credit scores are based on a snapshot of the data contained in your credit file at a given point in ti… Read More
2017-06-22 18:07
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Credit Reporting Judgments and Liens Credit Rules A new day has dawned. New credit reporting rules kicked in on July 1, 2017 creating drast… Read More
2017-06-06 16:48
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Annualcreditreport.com Your Free Credit Report All consumers are entitled to a free credit report each year from each of the 3 major credit reporting a… Read More
2016-05-19 15:41
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FICO “Balance and Burden” Key This Essay is aimed at the more advanced Student of Credit Repair In the familiar pie chart that breaks down… Read More
2016-04-11 15:22
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FICO Scorecards Very Sophisticated This Essay is for the more advanced student of credit repair. Some good background and study of credit repair… Read More
2015-04-01 14:12
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Mandatory Credit Card Arbitration Fine Print Mandatory Credit Card Arbitration of any claim a consumer may have against the issuer of the card is… Read More
2015-03-24 17:16
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Credit Scoring Rules Amendments Include More Information Equifax, Experian and Trans Union, the nation’s 3 credit reporting giants have agreed to… Read More
2015-02-20 17:28
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Best Practices for American Credit Cards in Europe With the American dollar flying high for exchange with Euros and most other currencies many American… Read More
2015-02-04 17:05
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Business Credit Basics Firewall with Personal Credit Business owners typically operate as a d/b/a (doing business as) status in the beginning. It… Read More
2015-02-03 14:49
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Cash Home Buying Trumps All Cash home buying does not refer to buying a home with a suitcase full of Benjamins spread out on a conference table in some… Read More
2014-10-14 11:22
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Credit Scoring Reform Wholesale Proposals Do you think that Credit Scoring is unfair from soup to nuts? Would you like to see reforms mandated th… Read More
2014-10-03 13:15
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CoreLogic Consumer Finance Solutions Provides Different Credit Data Consumers with a real interest in the credit scoring system are aware of the kinds… Read More
2014-09-09 13:50
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Debt Collector Legal Registration Requirement Did you know that a debt collector must register with your State Department of Business Regulation… Read More
2014-08-17 17:48
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Credit Report Personal Information Category Your credit reports from Equifax, Experian or Trans Union each have five different categories: Personal Inf… Read More
2014-07-08 12:55
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Credit Reporting Errors Legal Damage Claims Can be Measured There are legal avenues to be taken for reparations when your credit standing has been inju… Read More
2006-06-07 11:16
http://onhomebuyingandcreditrepair.comCredit File Fraud Alert Less Drastic than Credit File Security Freeze Many consumers are confused about the pros and cons of a credit file fraud alert v… Read More
2006-06-07 11:16
http://onhomebuyingandcreditrepair.com FICO 9 Credit Scoring Model Coming This Summer FICO plans to roll out it’s next generation FICO 9 Credit Scoring model on an as yet unspeci… Read More
2006-06-07 11:16
http://onhomebuyingandcreditrepair.com HIPAA and Medical Debt Collection HIPAA (Health Insurance Portability and Accountability Act) is the federal law that governs your right to priva… Read More
2006-06-07 11:16
http://onhomebuyingandcreditrepair.comConsumer Financial Protection Bureau Report Card The Consumer Financial Protection Bureau has been with us for a while now. It arrived with great… Read More
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