Don't let your credit stand in the way of your goals to be a home owner. Make your dream home a reality.
Don't get denied for an auto loan due to poor credit issues. Your dream car is wating for you.
Reduce your stress. Having great credit puts you in a position to reach your financial goals and beyond.
Your chances of finding a great job with credit issues aren't as good. Many employers now are looking at your credit.
When you have great credit you get better interest rates. Credit issues may cause you to pay higher interest rates and cost you money.
With great credit scores you have better odds at getting credit card approvals. You'll also get top tier rates and the best terms.
One of the things that was profound to me while speaking with my clients, was how little the average person understands how equity gains in a home, work. I want to share with you a simple way to understand how important a home can be to building your family’s wealth.…
Whenever someone goes 180 days late on any open account, it moves to a status called “charge off”. This means they are now closing the account and the debt is being transitioned into a collection status. It does not always mean there will be a separate collection account created, as…
I hear all the time from mortgage lenders that an item should not be on a report because it is not the borrower’s legal responsibility through a divorce. However, the truth is that creditors don’t care about that piece of paper! So, let’s explain the process so you know how…
Both Experian and FICO have released score boosters in 2019. The question is, does it help? I have been researching this to find the pros and the cons and they both have both. So, what are they anyways? Experian Boost – allows consumers to add their utility bills, cell phone bills,…
Fair Isaac and Vantage Score hold their credit scoring formulas as a close secret much like the formula for Coca-Cola or your grandma’s legendary double chocolate-chip cookies. This can be very frustrating for consumers when they see remarks on the credit report like “too many revolving debt accounts” and not…
A credit score is a number that attempts to predict your “credit-worthiness” at any given moment. Officially, it’s supposed to predict how likely you are to become at least 90 days late on payments within the next twenty-four months. Credit scores are calculated using complex, secret formulas that are only…
Under section 604 of the FCRA (15 U.S.C. section1681b), only certain people may access your credit report for certain specified reasons. Generally, this means prospective creditors. However, there are many reasons that someone may access your credit report. For example, with restrictions, a potential employer may access your credit report…
Let’s talk about where the information on your credit reports comes from. Although the information may come from many places, it generally comes from three sources – you, public records, and your creditors. Let’s look at each of these sources and the information that they provide. From YouYes, you! You…
Credit reports are not always easy to read. The truth is, the credit bureaus want it like that. The less the average consumer understands, the more likely they will not spot or complain about any errors. Personal DataThis section has identifying and employment information. It will include your full name,…
Whenever someone goes 180 days late on any open account, it moves to a status called “charge off”. This means they are now closing the account and the debt is being transitioned into a collection status. It does not always mean there will be a separate collection account created, as…
Contrary to popular belief, your credit report does not contain information about your checking or savings accounts, your race, religion, gender, political affiliation, or personal lifestyle. Your credit report also does not contain medical history or criminal records. However, your credit report is only one type of consumer report. As…
Accounts/Trade Lines: This includes credit cards, auto loans, mortgages, real estate, installment loans and revolving debt like department store cards. The report will include information on the accounts such as the balance, payment history, terms, and account status such as whether the account was put into bankruptcy, charged off, or repossessed. …
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Simply complete the questionnaire and one of our knowledgeable credit advisors will reach out to you to go over your credit situation and see how we can help you reach your credit goals!
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