Credit Tips

In the past year, tens of millions of people have lost jobs and suffered financial hardships as a result of economic shutdowns during the pandemic. Concurrently, and not surprisingly, the credit scores of millions of Americans have also plummeted. In response to this volatility, creditors have developed a new method of predicting how likely a…

Let’s be honest. Sometimes you have to do what you have to do. Filing a bankruptcy may not be a “Feel Good” moment for you. However, sometimes you have to make a business decision regarding your finances.  There is no way to underestimate the impact bankruptcy has on your credit. It is one of the…

Did you know that at least 25% of all credit reports contain errors? A recent NBC News report revealed that 1 out of every 4 people has at least one error and the actual number could be much higher as many errors go undetected and unreported.  Most people don’t find out about the errors until…

This is EXTREMELY important for anyone who is needing to increase their credit scores. 30% of your score depends on you have a minimum of 3-5 revolving lines of credit (credit cards). Too often, we come across people who mistakenly think that they are doing the financially smart thing by not using credit cards at…

Typically, when we talk about credit repair, the scenario people will picture is someone with REALLY bad credit getting help to improve their scores.  Yes, this is a situation that we tackle each and every day.  We’ve taken thousands of clients and brought their scores up from the “basement” into the “penthouse”. However, there is…

Did you know that there are an arsenal of laws that protect consumers? Here is a partial list that we use to strategically dispute unethical, erroneous, untimely, and unverifiable information that could end up on your credit report. 1. The Equal Opportunity Act Ensures all consumers are given an equal chance to obtain credit. Lenders…