If only there was a simple answer to that. The more important question is what exactly are you applying for? A score that’s good enough to get you a Capital One credit card isn’t necessarily good enough to get you a low interest mortgage. What those 3 digit numbers say about you to potential lenders …
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Free Credit Scores May Soon Be the Law
As it is right now, the three major credit bureaus – Equifax, Experian and TransUnion – are required to release credit reports to consumers once every 12 month period. But for whatever reason, you have to pay up if you want to know what your scores are. This all may be coming to an end …
Best Way to Improve Credit is an Emergency Fund
So many of our credit repair clients are with us because they never planned for a rainy day and hit a financial pothole that ruined their credit. If you missed my blog yesterday on how Emergency Funds Aren’t Always a Top Priority, I’d suggest seeing just how bad the problem is in this country. The …
Emergency Funds Not Consumers Top Priority
Unexpected events, like the loss of income in your family or an illness, are some of the leading causes of bankruptcies in America. It’s not always that we’re bad at managing our credit, sometimes life just has a way of testing us financially. A Gallup Poll found that 41% of Americans have little or no …
Repairing Credit: a Beginners Guide (part 3 of 4)
Resolving Accurate or Verifiable Collections If you’ve already been through the process of having your credit report validated and/or corrected, you’re probably wondering what to do with everything on your report that disputing was, for whatever reason, unable to resolve. And this brings up a good point: the majority of people mistakenly assume that disputing …
Repairing Credit: a Beginner’s Guide (part 2 of 4)
How to Fix your Credit Report part two of our Repairing your credit guide Whether you’re planning on fixing your own credit or would like a credit repair company to help you, one of the first steps in any repair process is to make sure your credit report is true and accurate. That’s because: • 79% …
Repairing Credit: A Beginners Guide (part 1 of 4)
A lot of people tend to just jump right into credit repair programs without giving it much thought. But those that are truly committed to restoring their credit the right way make sure to do a little research before taking the plunge. That’s because when it comes to credit repair, it’s always important to consider …
How New Lines of Credit Affect Your Credit Scores
Whenever we discuss our Fresh Start program with potential (and existing) clients, one question that invariably comes up is, “How will this affect my credit score?” So, here is exactly what new lines of credit can do to your credit score. Taking a slice out of your credit score Before we get into that, though, …
Credit Repair Firms Finding that Credit Cards Aren’t Really Rewarding Consumers
Building positive credit is an essential part of the credit repair process. Many times we find that consumers aren’t making their decisions on interest rates or applicable fees, but instead on the rewards programs that the credit card companies are offering. But credit card incentive programs aren’t always as “rewarding” as they’d like you to …
E-Coupon Clipping: 5 Websites That Can Help Stretch Your Budget
I love living in Southern California. Sure, the state’s got worse management than a fast food franchise chain, but I’ll be damned if you can beat the weather and location. And with summer just around the corner, and the beach calling my name just about every afternoon, it’s hard not to love it out here. …
