We have been seeing a new and remarkable level of responsiveness from FICO; little positive changes that once yielded 20 point increases are now yielding 30 or 40 points. Conversely, older derogatory information is hurting less, especially in cases where the old derogatory event is isolated.… Read More

The hardest part of the credit repair process is the decision to get started. We know that credit issues can evoke emotional discomfort, and even fear. It may seem easier to ignore the problem in the hope that time will bury the events of the past.… Read More

When it comes to credit repair, the best results come from simultaneously cleaning up your reports and rebuilding your credit. Both are equally important, but the current formulation of the FICO model presents a special opportunity to get a big credit score boost from rebuilding – and it is not just for people without open accounts.… Read More

Everyone spends during the holidays. And with spending can come stress, but with a little thoughtful financial planning you can stay worry-free. Here are a few handy hints to add to your glad tidings!

Your Account Balances

There is no long term credit score damage from running up your credit card balances.… Read More

You have more control over your credit than you know. It’s amazing how quickly your FICO scores will climb if you take the right steps. Helping you up the ladder is our job. If you take the first step and sign up now, you will enjoy the knowledge that every day from today forward is bringing you closer to your credit goals.… Read More