CreditJunkie

Personal Credit

Credit Repair Verses Credit Improvement

January 17, 2019 by CreditJunkie Leave a Comment

Established in 2010 we thought we knew what we were doing. In 2014 the entire system was re-engineered, and we are still tweaking the system a little each month based on the experiences gained.

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Posted in: Collection company, Credit Help, Credit Restoration / Life Changing, Personal Credit Tagged: credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit improvement

GET STARTED BEFORE JANUARY; NEW FEES FOR 2019

December 17, 2018 by CreditJunkie Leave a Comment

Don’t give UP! We have helped thousands obtain their dreams of new cars and home ownership. Check out the reviews on Google, Yelp and our website to see for yourself.

Lock in the current fees by signing up for our Profile Review Program TODAY!

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Posted in: Credit Help, Credit Restoration / Life Changing, Medical Collection Accounts / Credit Reports, Personal Credit Tagged: credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit improvement, debt management, https://www.facebook.com/AustinCreditGroup

Hassled by Collection Companies

December 4, 2018 by CreditJunkie Leave a Comment

Most collection companies buy debt on a spreadsheet, but not the debt.

So your collection company claims they bought the debt. Here’s what you need to know.

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Posted in: Collection company, Credit Help, Credit Restoration / Life Changing, Personal Credit Tagged: credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit improvement, debt management, https://www.facebook.com/AustinCreditGroup

BUILDING A HEALTHY CREDIT SCORE

November 5, 2018 by CreditJunkie Leave a Comment

Installment Credit builds a foundation for your score. Revolving Credit can have a dramatic affect on credit scores both positive and negative on a monthly basis.

The industry is pretty tight-lipped about the specifics in their algorithms, but this article gives you a basic understanding of what and how activity can affect your credit scores.

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Posted in: Credit Help, Personal Credit Tagged: credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit improvement, https://www.facebook.com/AustinCreditGroup

CREDIT REPORTS: Deleted Items Come Back!

October 17, 2018 by CreditJunkie Leave a Comment

Why do some deleted items show up again on my Credit Reports? Utility Bills have a different set of rules than other consumer credit.

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Posted in: Credit Help, Credit Restoration / Life Changing, Personal Credit Tagged: credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit score.

Credit World Changes for 2018

August 20, 2018 by CreditJunkie Leave a Comment

In addition to other changes realized this year, the two biggest changes in the last year that affected the way we do business (Our Process). Reporting of Public Records, and the Equifax Data Breach.

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Posted in: Credit Help, Personal Credit Tagged: credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit score., Equifax Data Breach, public records reporting

Credit Improvement verses Credit Repair

January 2, 2017 by CreditJunkie Leave a Comment

If you plan to purchase or refinance anything we encourage you to read this article. Our services will result in potentially thousands of dollars in savings.

(August, 2016) by Lacynica M. “….. I used credit repair company before going to Austin Credit Group and wasted a bunch of money…”

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Posted in: Credit Help, Credit Restoration / Life Changing, Personal Credit Tagged: austincreditgroup.com, credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit improvement, debt management, https://www.facebook.com/AustinCreditGroup

Free Annual Credit Reports / Credit Scores

January 12, 2016 by CreditJunkie Leave a Comment

Why bother with Free Annual Credit Reports? How do I get mine? What is in the FICO Credit Score Model?

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Posted in: Credit Help, Personal Credit Tagged: austincreditgroup.com, credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit repair, Finance, https://www.facebook.com/AustinCreditGroup, northaustincreditrepair.com, roundrockcreditrepair.com, Texas

Qualifying For A Home Mortgage?

October 5, 2015 by CreditJunkie Leave a Comment

I was visiting with a couple who’s goal is to buy a home soon.

I found it interesting the lack of and miss-information that had been provided by the lenders they were talking with about this.
Scoring Models Addressed… Read More

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Posted in: Credit Help, Credit Restoration / Life Changing, Personal Credit Tagged: credit improvement, credit repair, Mortgages, northaustincreditrepair.com, roundrockcreditrepair.com, www.austincreditgroup.com

AN EPIPHANY! Maximizing Credit Scores

September 30, 2015 by CreditJunkie Leave a Comment

Throughout the industry there are two thoughts about the payment of credit cards balances. This content on the topic relates to those struggling to raise their credit scores as quickly as possible, because they are seeking to make a major purchase, and want to get the best possible rate on a loan.

THE EPIPHANY: I determined a method of payment that may give the the consumer an even bigger bang for their buck. This would be a combination of the two strategies.

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Posted in: bankruptcy, Credit Help, Credit Restoration / Life Changing, Personal Credit Tagged: austincreditgroup.com, credit improvement, creditrepairinaustin.com, northaustincreditrepair.com, Veterans
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