http://www.mycreditgroup.com/blog Sun, 24 Feb 2008 22:36:13 +0000 http://backend.userland.com/rss092 en How do you know if a credit repair company you're about to trust with your most personal information with is the best choice for your needs? Do their sales pitches accurately portray the service you’ll receive? Are there warning signs to look for? Which features should you consider, and which ... http://www.mycreditgroup.com/blog/best-credit-repair-company/ It looks like Bank of America is at it again.I wrote a post about Universal Default a little while ago, stating how sleazy of a tactic it was by lenders.Well, BofA found a way to stoop even a little lower. Where universal default typically had to have something trigger it ... http://www.mycreditgroup.com/blog/bofa-raises-rates/ OK Folks, our independent legal council has agreed to take a look at The Cash Call Cases. If you didn’t see the original post Go Here. So, if you are having problems with cash Call please contact us, or our Attorney Robert Brennan at 888-453-6665If you’re not familiar with Robert, he’ ... http://www.mycreditgroup.com/blog/cash-call-update/ For those of you who know my background - know that I’ve pretty much had two careers. From 1988 until 2000 I worked in the investment and financial planning industry. From 2000 on, I’ve been right here harassing the credit bureaus.Today, I wanted to dust off my economic hat and ... http://www.mycreditgroup.com/blog/fed-cuts-rates-recession-coming-opportunity/ I’m not much of a historian, but I have a vague understanding of the prohibition of 1920’s.In short, advocates of the prohibition thought alcohol was “the devils advocate“, responsible for crime, poverty etc. On January 16th. 1920, the 18th amendment was put into place to make it illegal to sell, ... http://www.mycreditgroup.com/blog/credit-repair-services-pricing/ Everyone wants good credit. Your credit score dictates every aspect of your financial well being. It controls how much you’re able to save; the type of house and car you’re able to afford. It’s even becoming a key factor potential employer’s look at.But What Happens When You have Bad Credit ... http://www.mycreditgroup.com/blog/free-credit-repair-contest/ Our Second round of Credit Repair Questions and Answers. I can't believe the week flew by so fast.  http://www.mycreditgroup.com/blog/free-credit-repair/ I figured since it’s a New Year and I’m not really one for New Year’s resolutions personally, I’d help the FTC out with one. http://www.mycreditgroup.com/blog/new-years-resolutions-for-the-ftc/ I just read an article by Simon Constable over at Thestreet.Com about how some companies are now offering borrowers quick ways to mend their credit scores.While far from a new industry it is however, a dead industry. http://www.mycreditgroup.com/blog/authorized-user-accounts-2/ Ok First things first. I was overwhelmed to see how many questions you folks had for me when I asked you to send them to us.So, I think this will be the first of a series of “Friday Credit Repair Q&A posts.” Yes I know its Saturday – but I ... http://www.mycreditgroup.com/blog/credit-repair-qa-round-one/ Mind-boggling identity theft statistics have consumers looking for protection, and financial institutions scrambling for ways to provide it. Some statistics show that somebody’s identity is stolen every two seconds.Statistics like these have spawned a fast growing industry of products offering identity theft protection - but are these services worth it, ... http://www.mycreditgroup.com/blog/identity-theft-services/ We were consulting a couple Friday that had previously disputed some items online directly on the credit bureaus websites, and I thought it might make an interesting topic to discuss real quick.I highly recommend you NEVER use their online dispute systems, and I'll explain why. http://www.mycreditgroup.com/blog/online-disputes-dont-word/  I wrote a blog entry here about dispute letters being used in an attempt to repair your credit and wanted to elaborate a bit more on it.It seems no matter what you read on the internet about credit repair services, it all says the same thing.“Send the credit bureaus a ... http://www.mycreditgroup.com/blog/sample-dispute-letter/   Imagine I just took a picture of you; and it’s going on this blog for the world to see. How’d you look? Chances are, unless you’re one of the annoying lucky few who always look perfect, it’s not the picture you want the world looking at. If you’re like most ... http://www.mycreditgroup.com/blog/say-cheese/ Want to learn 5 fast and easy tricks to improve your credit score - FAST?I know silly question. Of course you do. Google the phrase “Credit Repair” and you’ll find hundreds of thousands of websites publishing the same generic, useless crap about “under the FCRA you have the right to ... http://www.mycreditgroup.com/blog/5-easy-credit-repair-tricks/  “Send us your credit reports. Tell us which items to dispute. Sit back, relax and let us work on your credit.”Read just about any credit repair company’s website and you might notice their dispute process sounds something like that. I see the appeal; and to a consumer who doesn’t know ... http://www.mycreditgroup.com/blog/best-credit-repair/ The House of Representatives has a bill that is scheduled to be voted on next week. If you’re a mortgage broker, loan officer or even consumer – I strongly suggest you let your voice be heard. Now, I’m none of the above, but we work with literally thousands of Loan ... http://www.mycreditgroup.com/blog/mortgage-brokers-out-of-business/ I wrote a post about piggy backing a few months back. It turns out I was right when I said Fair Isaac would find a way to stop it; and they did. When fair Isaac announced their new scoring model did not factor in authorized users, I assumed that would ... http://www.mycreditgroup.com/blog/authorized-user-accounts/ How many of you have been taught the best way to protect your credit is to always pay your bills on time?We all have. It’s common sense. I still remember the little chat my Dad had with me about credit when I was about 18 and got my first Montgomery ... http://www.mycreditgroup.com/blog/paying-your-credit-card-bills-on-time/ A quick note to our clients in the San Diego Area.First of all, we hope you and your families are all safe and well.If you are a client of My Credit Group in San Diego and are being displaced by the fires, please contact us. We will help in any ... http://www.mycreditgroup.com/blog/san-diego-fires-2007/