5 Myths About Late Payments & Your FICO Scores

5 Myths About Late Payments & Your FICO Scores

      Payment history is a vital part of a consumer’s credit scores, so we debunk five of the most pervasive myths about late payments. One prevalent misconception is that a single late payment is no big deal.  The reality is that on-time payments are the single most important factor in the FICO formula. Research […]

4 Ways Debt Collectors Get You to Pay

4 Ways Debt Collectors Get You to Pay

      Nobody likes a debt collector. But debt collectors, and the companies they work for, serve a legitimate purpose in our economy. Have debt collectors used harassing, and illegal tactics? Absolutely, collection agents stepping over the line has led to how the industry at large is viewed today. But rather than warn you […]

Credit Repair Tips

Credit Repair Tips

          Overwhelming debt makes many people feel helpless. You might have had a bad time or made some mistakes but you can move forward. There are many options open to you that can help in recovering your credit score. Paying off outstanding debt is the easiest way to raise your credit […]

The complete guide to fixing your credit score

The complete guide to fixing your credit score

      Living with bad credit means a financial life plagued with high fees and high interest rates. A neighbor who recently wanted a new phone had to put down a $100 deposit due to his poor credit. To get internet at home, you have to verify your credit history. It turns out there […]

Why Credit Repair Sucks, and I Love it!

Why Credit Repair Sucks, and I Love it!

      If you didn’t already know, credit repair carries a stigma that likens itself to snake oil sales and fraudsters. The BBB, FTC, CFPB, CDIA and FDIC are just some organizations that apply bad press to the industry. Additionally you have many within the credit repair industry that do a good job at […]

Don’t Let Poor Credit Rule Your Life: Great Repair Tips

Don’t Let Poor Credit Rule Your Life: Great Repair Tips

      If you don’t have very good credit, financing your home may not be easy. If possible, apply for an FHA loan; these loans are backed by the United States government. Even when the resources for making down payments or paying closing costs are lacking, FHA loans can help. If your credit card […]

Credit Repair Companies – Don’t Get Scammed!

Credit Repair Companies – Don’t Get Scammed!

      Choosing one of the best credit repair companies is not a straight forward task. Unfortunately, there are some scammers that you need to watch out for, and if you are unlucky enough to fall into their evil claws, then it will cost you a lot of money and precious time. If you […]

10 Things Consumers Don’t Understand About Credit Scores

10 Things Consumers Don’t Understand About Credit Scores

      Here are 10 common things consumers tend to get wrong about their scores. 1. The Credit Bureaus Experian, Transunion And Equifax Evaluate My Credit Score 2. There’s Only One Type Of Credit Score. 3. When I Close A Credit Card, The Age Of The Card Is No Longer Factored Into My Credit […]