frustrated business man

6 Biggest Credit Mistakes

Six Of The Biggest Mistakes That Will Have A Detrimental Effect On Your Credit Credit is something that has a huge impact on our adult lives, if you have good credit you can do many things, however, if your credit is bruised, you will have a harder time doing those same things. What are these mistakes? Can they be avoided? 1. Making Late Payments – Many people believe this is the one determining factor of having good credit. While this is a very

debt free valentine

Debt Free, Will You Be My Valentine?

Cupid has a tough match to make this Valentine’s Day. It appears that no one wants to be in a relationship with debt. Most of the respondents in the National Foundation for Credit Counseling (NFFC) monthly poll indicated that they rather possess cautious reservations in regards to taking on debt of their loved ones to the point of ending the relationship. Fifty-four percent of respondents won’t marry until debt was paid (37%), will marry but not pay the debt (10%), or

money myths

Myths About Your Credit Report – Part 1

Myths About Your Credit Report – Part 1 Many people have beliefs about their credit report that are just not true.  There are also things that are included on your credit report that will not hurt you.  The following things that won’t affect you may be found on your credit report: Myth #1 – Income – Your income does not have anything at all to do with your credit report.  As long as you keep all of your financial obligations paid, the

good credit score

What Is Considered A Good Credit Score…620, 680, 700, 990????

What is considered a Good Credit Score…620, 680, 700, 990?????? Most people when asked this question, “What is a good credit score, don’t have any idea.  They don’t know if their credit rating comes from an A, B or C or if they have a numerical number that rates their credit worthiness. Until the last few years when the VantageScore came into existence the consumer would only see a numeric credit score. Adding to this confusion is the fact that there are

credit help destroy

Credit – It Can Help You and It Can Destroy You Depending On How You Use It!

Today, many people are realizing just how much society is geared towards credit; People use credit cards every day to help them buy things they don’t really need or have the money to purchase at the time. Loans are acquired to help buy the bigger items like homes and cars. Credit is not only a want but it is necessary in many aspects of life in today’s world. Therefore, it is important to teach our young people the correct way

credit repair help real estate

How Can A Credit Repair Professional Help You Close More Real Estate Deals?

How Can A Credit Repair Professional Help You Close More Real Estate Deals? As a credit repair expert I can tell you from experience that I have helped many, many people to attain their dreams. The Fair Credit Reporting Act (FCRA) gives us the ability to dispute items on a credit report that are not 100% accurate and verifiable. There are many times when I audit a credit report that we find things on individuals credit reports that are not reporting accurately.  What

credit scores differ

Why are your credit scores different depending on where they come from?

I can’t tell you how many times I get asked, “why are my scores so drastically different when I pull my credit and then go into purchase something and the lender pulls my credit?”  It can be down right embarassing to borrowers who, because of looking at a credit report off of the internet, think that there credit score is very respectable, to only find out it is not as high as they thought.  Why is this?  Because when you

bad credit loans

How Bad Credit Personal Loans Can Help You in Tough Times

People who suffer from having a bad credit history may find it harder to deal with lenders. Most lending companies prefer clients with good to excellent credit and if your credit rating falls short of their expectation, your application can get easily declined or disapproved. But what if you’re really in need of financial assistance? Where can you find the right kind of help? The fact is, just because you have a bad credit history doesn’t mean yours is a hopeless