


EXPERT INSIGHT
Asset Appreciation
If we are all being honest, what is the number one reason why we choose to…
Mixed Credit Files
The problems for the bureaus continue. Experian is now being sued for mixing credit files…
Statutes of Limitations – Part 3
Maybe it’s due to the horrendous natural disasters Florida, Texas and California…
Statutes of Limitations – Part 2
Here is an interesting concept. If you owe someone a debt…
Statutes of Limitations – Part 1
If you are an avid credit tip reader, this tip marks the 50th one distributed…
How did the Bureaus get Breached part 2
When you have the largest cyber credit attacks in history…
When the Bureaus get Breached
What you need to know about when the bureaus get breached…
The Big Change with the Removal of Tax Liens and Judgments
Believe it or not there is a lot of sarcasm in the title because the change is expected…
The BBB
Maybe you’re a BBB kind of person or maybe not. Either way I encourage…
Credit Restoration Reviews
We all knew it was inevitable for rates to increase and loan applications to decrease…
The First 30 Current Clients
Recently my company had to provide legitimate data on our success rates. I was beyond impressed…
As Rates Rapidly Increase
Recently the MBA announced at a conference in Boston that they are anticipating…
Student Loans – Part 2
There are a lot of people out there who receive tremendous benefits from…
Student Loans – Part 1
Student loans are very similar to how we see our young, athletic…
I Just Love My Credit Card
Alright, so everyone understands they are getting robbed blind by credit card interest rates…
The Nation’s Debt
No, we are not going to chat about the national deficit or debt, there isn’t enough…
The Handshake is Dead
Do you remember hearing the stories of your grandfather going into the…
Step Four – Economic Decision
Is it just me or does everybody often experience the same feeling I do…
A Four Step Removal Process – Step Four – 30 Days to Verify
If you know anything about credit repair and the Fair Credit Reporting Act you know the bureaus are allowed 30 days to …
A Four Step Removal Process – Step Three – Side Note
Do you ever take a minute to think about how exactly these errors or accounts that don’t even belong to…
A Four Step Removal Process – Step Two – Unverifiable Information
Okay, so we have discovered that you don’t need to look far to see report errors scattered all over the place…
A Four Step Removal Process – Step One – Surface Errors
One common statistic that all reports suggest when determining the number of errors that exist on credit reports is…
WHAT CAN WE ACTUALLY REMOVE FROM YOUR CREDIT SCORE?
Now that’s what you call a silly title for a credit tip! What can actually be removed from a credit report…
THE VALUE OF A GOOD CREDIT SCORE
So, I’ve been told writing about losing the prospect of potentially millions of dollars in the housing market…
YOU CAN’T AFFORD CREDIT REPAIR?
You Can’t Afford Credit Repair? Then I Promise You, You Can’t Afford Not To Do Credit Repair!
NEW CREDIT 10% – OPENING NEW ACCOUNTS
We are in the final section of the ever so frustrating calculation of the credit score…
TYPES OF CREDIT – 10%
This 10% of your score is made up of criteria where almost nobody has a correct idea…
LENGTH OF CREDIT HISTORY – PART 2
Most loop holes one tends to find when trying to maximize their positive credit end up being loop holes…
LENGTH OF CREDIT HISTORY – PART 1
This is the middle-child section of your credit score. It got gypped by…
AMOUNTS OWED – PART 3
What should I do with my credit card balances?
AMOUNTS OWED – PART 2
As we learned in the last tip Amounts Owed, 30% of your total score is mainly comprised…
AMOUNTS OWED – PART 1
You better have a solid understanding of the “Amounts Owed” section of your credit score…
PAYMENT HISTORY PART 3
Please reference the previous two credit tips for more insight on Payment History…
PAYMENT HISTORY PART 2
Did you know that the Payment History section of your credit score accounts for 35% of your credit-score pie?
PAYMENT HISTORY PART 1
Today’s thrilling topic provides insight on how your credit score is calculated through Payment History…
UNDERSTANDING THE DATES ON A CREDIT REPORT
Most credit reports have three major dates listed on any one trade-line. If you are seeing a lot of other dates…
E-OSCAR
If you put your mind to it you can do anything. For example, I can fix the engine in my car all day long…
HOW MANY POINTS DO I GET FOR OPTING-OUT?
Have you ever really thought about those pre-approved offers you get? Maybe…
DISPUTE! DISPUTE!
A Dispute is a dispute is a dispute, and a dispute by any other name is still anything but a closed loan…Recently, the FTC – and I’m referring to the Federal Trade Commission…
INQUIRES PART 3: SHOPPING WINDOWS
One of the largest myths that a credit restoration firm…
INQUIRES PART 2: THE DIFFERENCE BETWEEN A “HARD PULL” AND A “SOFT PULL”
As we discussed in our last tip, having your credit pulled can be quite detrimental to your FICO score. However, what also comes into play are “Hard” Inquiries and…
Inquires Part 1: Unauthorized Inquires on your Report
You all know this person, and if you don’t it’s probably…
Tax Lien Removals
One thing’s for sure: nobody likes paying taxes. The poor want the rich to pay for everything, the rich want the poor to pay their fair share, and everyone in the middle would prefer just to stay…
SOME DIRTY FACTS ON THE CREDIT BUREAUS
The old credit bureaus; now there’s something you associate…
BIGGEST MISTAKES PEOPLE MAKE WHEN GETTING READY FOR CLOSING
Underwriting. Now that’s a word that makes any mortgage professional get the chills. Let’s say it again…underwriting…brrrr…those blasted pencil pushers just making all our lives…
HOW MANY TIMES HAS YOUR PERSONAL INFORMATION BEEN EXPOSED TO HACKERS?
The question, in and of itself, is bad news. Notice how the question is phrased…
INACCURATE ONLINE CREDIT SCORES
There are a lot of scams out there these days, none that we find as frustrating though as the infamous…
TO PAY OR NOT TO PAY
As Shakespeare almost put it, To Pay Or Not To Pay, that is the question…
THE DIFFERENCE BETWEEN A COLLECTION AND A CHARGE OFF
Have you ever wanted to know what the real difference is between a Collection…
Divorce Related Credit Issues
Although the following story seems like a joke you would tell at a bar it’s actually something…