Collections and Charge Offs
Whenever someone goes 180 days late on any open account, it moves to a status called “charge off”. This means…
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Do Divorce Decrees Matter?
I hear all the time from mortgage lenders that an item should not be on a report because it is…
Experian Boost and Fico Ultra – Does it work?
Both Experian and FICO have released score boosters in 2019. The question is, does it help? I have been researching…
How Are Credit Scores Calculated?
Fair Isaac and Vantage Score hold their credit scoring formulas as a close secret much like the formula for Coca-Cola…
What Is A Credit Score?
A credit score is a number that attempts to predict your “credit-worthiness” at any given moment. Officially, it’s supposed to…
Who Can See Your Credit Report?
Under section 604 of the FCRA (15 U.S.C. section1681b), only certain people may access your credit report for certain specified…