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
The Easy Path to Good Credit
Good credit provides access to employment opportunities and better financing. Even insurance companies consider the quality of your credit. The potential financial impact is significant. Your future is in your hands. If you have a credit issue, let us help you do something about it.… Read More
Exploring the Mysteries of FICO
Fair Isaac did not develop the FICO score for consumer use. And although it has become a de facto consumer credit “report card” it was never intended as such. In fact, the mechanics of FICO produce a score that, from a consumer perspective often makes little sense.… Read More
So You Want to Get a Mortgage?
What an amazing time to buy a house. Rates are down. Home prices are low, low, low. Wouldn’t it be nice to re-deploy your assets from that monthly rent check to a mortgage payment on a home you can call your own?… Read More
The Intangibles of Credit Repair
We love the tangible results of credit repair. There is nothing quite as satisfying as seeing derogatory items deleted, or discovering that our FICO Score is up 100 points. How about a new lower mortgage or auto payment we get because we are able to refinance.… Read More
How to Get Results from Credit Repair
Credit repair is capable of transforming your credit report, raising your scores, and making your credit reports look good to prospective lenders. The final result should allow you to qualify for better financing, meet requirements of landlords, utilities, phone companies, employers, and more.… Read More
The New FICO Balance Score Connection
Periodically FICO tweaks their scoring formula. The last big change, called FICO ’08, got a lot of publicity because of a battle over proposed changes to authorized user account scoring. But FICO ’08 also put more emphasis on the relationship between revolving balances and account limits, a lot more.… Read More
Credit Repair and Credit Score Mastery
Your credit score is not a report card meant to grade you on your past payment history. Are you surprised to hear this? If you are in a credit repair program and are hoping for truly meaningful progress you should understand the true intent of the FICO scoring model; you must learn to think like the engineers that developed the algorithm.… Read More