INQUIRY RULES
The rule is that you can have up to three-inquiries in a 25-month period without it affecting your credit score. Inquiries more than three can affect you score 3-5 points for each one over the three; and I don’t know which bureau is which! Good news is …
Which is best path for you? Even I can’t advise you on an appropriate path until I look at your overall financial and credit situation.
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.
With rising Interest Rates, now is the time to do a review of your Credit Profiles at all four (4) major Credit Bureaus. That’s right, I said FOUR!
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!
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.
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.
We offer counseling and education that is specific to your situation. We have been successful at getting some old Charged-Off debt eliminated and significantly raise our client’s credit scores. For example, and to give those with credit card debt an understanding of the impact carrying a balance can have on your credit scores, we offer this One minute-twenty second video about the rules on credit cards.
Why do some deleted items show up again on my Credit Reports? Utility Bills have a different set of rules than other consumer credit.
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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