Dealing with a Summons for Judgment: How to Protect Your Rights and Manage Your Debt
Dealing with a summons for judgment can be a stressful and overwhelming experience. A summons for judgment is a legal…
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Do You Truly Understand Equity?
One of the things that was profound to me while speaking with my clients, was how little the average person…
Collections and Charge Offs
Whenever someone goes 180 days late on any open account, it moves to a status called “charge off”. This means…
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…
Where Does The Information Come From?
Let’s talk about where the information on your credit reports comes from. Although the information may come from many places,…
What Types Of Information Are In A Credit Report?
Credit reports are not always easy to read. The truth is, the credit bureaus want it like that. The less…
The Difference Between Collections and Charge Offs
Whenever someone goes 180 days late on any open account, it moves to a status called “charge off”. This means…
What's Not Included In Your Credit Report?
Contrary to popular belief, your credit report does not contain information about your checking or savings accounts, your race, religion,…
What's Included In Your Credit Report?
Accounts/Trade Lines: This includes credit cards, auto loans, mortgages, real estate, installment loans and revolving debt like department store cards. The…
What Is A Credit Report & Credit Bureau?
You are the source of great interest, and profit, of many national companies. These companies, known as “consumer reporting agencies”…