On April 2nd, FICO announced the creation of a new credit score designed for people without enough credit to have a regular FICO score. The new score (yet unnamed) is based on data provided by Equifax and LexisNexis Risk Solutions and includes: pay history on utility bills, cable bills, cell phone bills, and address history.… Read More
New York Attorney General Credit Reporting Settlement
On March 9th, 2015, New York Attorney General, Eric T. Schneiderman announced a settlement with the three major credit bureaus, Experian, Equifax, and Transunion, which requires them to implement a number of changes designed to improve credit reporting accuracy and make it easier for consumers to dispute errors.… Read More
FICO Score 9 New and Improved
FICO has changed their formula, and this time it looks like consumers will come out ahead. Improvements include the exclusion of paid collections from the score calculation, a reduction in the weight of medical collections, and more.
Paid Collections No Longer Hurt
FICO Score 9, which will begin a roll-out in the fall (which starts September 22nd), will include a couple of inspiring changes.… Read More
How to Make Credit Repair Easy
The first step in the credit repair process is to get your credit reports. It is also the single biggest opportunity you have to make the job easy. Make a good decision now, and the entire process will be a breeze.… Read More
Credit Repair Checklist for Certain Success
Credit repair requires a number of steps, some seem more exciting than others, but if you leave even one of them out your effort may fall flat. Imagine investing time, money, and your emotion in a project and failing because you miss one little component.… Read More
Quick Credit Repair Tips That Really Work
Credit repair requires courage. If you see something on your credit report that does not look familiar to you, you have the right to dispute it with the credit bureau. To hold back would be a great mistake. Do not attribute the credit bureaus with infallibility.… Read More
The Prevalence of Reporting Errors
If you are reading this you probably have concerns about your credit. Maybe you had financial issues in the past. Maybe you looked at your report and found derogatory information. Either way, your credit report is wrong and you are a candidate for credit repair.… Read More
Boost Your Scores Fast With Credit Repair
Okay, the odds of getting your scores into the 800s overnight are slim. But that does not mean that you cannot make significant progress really fast. Here are some awesome credit repair tips and tricks that can boost your scores by one hundred points or more.… Read More
Repair Your Credit in Ten Easy Steps
Maybe easier said than done, but this is a big credit repair factor. The FICO model puts so much weight on your revolving balances that you really want to take advantage. Chip away until you are using less than 20 percent of each cards limit and your scores will go up, up, up.… Read More
Credit Repair Services For Your Consideration
Credit repair services offer a number of ways to fix your credit and improve your credit scores. There is no question as to the value of these services. The credit environment of today is difficult, to say the least. Lenders have never been as conservative.… Read More
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