June 27, 2017

The Credit Report Revealed – Part II

Credit reports can be mysterious documents to read and understand.  In this section, we will dissect the document by sections so you can become more familiar […]
June 27, 2017

The Credit Report Revealed – Part I

A Credit Report is a database file that is kept by each of the three major credit bureaus[1].  It contains data that has been sent to […]
June 27, 2017

Myths I Believe About My Credit Score

Myths I Believe About My Credit Score Myth #1 – A Poor Credit Score Will Dog Me Forever. FACT:  Actually, it is important to know that […]
June 27, 2017

Credit Terms Glossary

Account An Account refers to assets, liabilities, income, expenses, and equity, as represented by individual ledger pages to which debit and credit entries are chronologically posted […]
June 27, 2017

Sample Credit Report

xample of a Credit Report, provided by:  Experian  (this is a PDF file.  To read it, you must have Adobe Reader on your computer.  If you […]
June 27, 2017

What are the Laws that Protect My Credit?

CROA[1] (Credit Repair Organizations Act) – The Credit Repair Organization Act was put in place to protect consumers from unscrupulous practices by organizations who claim to repair credit. […]
June 27, 2017

What is Credit Restoration?

What is credit restoration?  What does it mean to restore your credit…how do you do it? FCRA, The Fair Credit Reporting Act, was enacted in 1970 […]
June 21, 2017

Do You Have The “RIGHT” Score?

Some people don’t have that “right score” so they are denied rights that they normally should have, like getting a loan approved or a new credit […]
June 21, 2017

Credit Repair and Bankruptcy

Many people ask us “will bankruptcy completely screw up our credit report”?  The answer is, of course, complicated.  The short answer is “yes”, and the longer […]
June 21, 2017

Is Your Credit Score "High" Enough?

We are in a world where everything we do is out there on Facebook, Twitter, LinkedIn, and every other kind of social media. Our lives are […]