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.
LIFE EVENTS WILL AFFECT YOUR CREDIT SCORE (Part 3 — Bankruptcy); OR HOW TO RECOVER FROM EXCESSIVE DEBT!
The trick is to know what should be in place to maximize the best outcome for all involved.
Serious life events include Divorce, Bankruptcy, Hospitalization, and even Marriage. Medical accounts for half of the collections on credit reports today!
LIFE EVENTS WILL AFFECT YOUR CREDIT SCORE (Part 1 — Marriage)
The trick is to know what should be in place to maximize the best outcome for all involved.
Serious life events include Divorce, Bankruptcy, Hospitalization, and even Marriage. Medical accounts for half of the collections on credit reports today!
Did you know that more than three Hard Inquiries in a two-year period can serve to hurt your credit score?
There are three kinds of Inquires found on your credit profile (report). These are HARD, Review and Promotional (both are SOFT).
One of the variables used in calculating credit scores is the length of time an account is open. Closing your oldest account could hurt your credit score for a much longer period of time.
H.R. 1002: Fair Access to Credit Scores Act of 2013
The purpose of the bill is to amend the Fair Credit Reporting Act to require the inclusion of credit scores with free annual credit reports provided to consumers, and for other purposes.
“Employer credit checks keep jobless out of workforce,” posted on March 4, 2013.
A recent report advises that one in four unemployed Americans have been required to go through a credit check when applying for a job, and one in ten have been denied jobs due to information in their credit report
You’ve got a Great credit score, right? But, perhaps not so very much. For example, a 790 could mean your credit is excellent or just mediocre. The times they are a changing. . .for example, while a FICO score of 790 out of 850 is considered excellent, it’s merely mediocre on the VantageScore model — which tops out at 990.
Related: Most Under Appreciated Personal Credit Score Killers
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