Wow…that’s a big subject.  Remember that 35% of your credit score is composed of your payment history.  The answers are complicated because it depends upon so […]

30% of your score is determined by the amounts you owe.  Since this is such a big influencer, it is important to understand what this means.  Simply […]

15% of your credit score consists of the length of your credit history, and 10% is based upon new credit.  This means simply that it makes […]

Every Day, We Are Asked This Question:  Is Credit Restoration Legal? The answer is resoundingly:   YES!  When the three major credit reporting agencies (CRA’s or Bureaus) […]

How is it conceived and constructed? Many years ago, merchants wanted to offer their products and services to the populace, but realized there were a number […]

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 […]

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 […]

Just a few years ago, the three major credit reporting agencies (bureaus)…Experian, TransUnion, and Equifax…got together and decided to challenge the FICO score model.  They were […]