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  • Archive for July, 2013

    Re-Post: Oregon Woman: $18.6M, Credit Bureau: 0

    Tuesday, July 30th, 2013

    Great article from USA Today on the cost of bad credit to the credit bureaus.  Also includes an overview of FTC findings on credit report inaccuracies. http://www.usatoday.com/story/money/business/2013/07/28/credit-bureau-errors-jury-gives-oregon-woman-19-million-dollars/2593519/ PORTLAND, Ore. (AP) — A federal jury in Oregon awarded $18.6 million to a woman who spent two years unsuccessfully trying to get Equifax Information Services to fix […]

    Effect of Life Events on Credit (Part 2)

    Monday, July 29th, 2013

    Unemployment: The Epoch of Incredulity Since employment is not included on a credit report, unemployment conceivably may have no effect whatsoever.  The associated financial strain has the all too real potential to affect your credit report, which may affect your search for employment as nearly half of employers pull credit on job applicants.  Budgeting becomes […]

    Re-Post: How to Come Back from a Financial Crisis

    Friday, July 26th, 2013

    An informative article by Rachel McMahon of Simple. Thrifty. Living. on recovering from financial ruin.  Re-posted from http://www.simplethriftyliving.com/how-to-come-back-from-a-financial-crisis/. Rachel McMahon | On 21, Jun 2013 It seems we are on the other side of the recession, or at least on our way out, but that doesn’t mean we’re not still feeling the pain from it. If you lost […]

    Effect of Life Events on Credit (Part 1)

    Thursday, July 25th, 2013

    Great Expectations Major life events may change our expectations of life, and therefore our finances, but they do not directly show up on our credit reports.  Contrary to some popular beliefs, employment, marital status, race, and income are not included in a credit report.  Some of these may be important to lenders, but that information […]

    Automated Injustice – Consumer Rights

    Monday, July 22nd, 2013

    by Dustin Grimnes – MP at Premier Credit Consulting One of the most frequently asked questions we see here at Premier Credit goes something like this… “What if the Credit Bureaus don’t do their job?! Who holds them accountable?” According to the United States Government, there are several committees, commissions and divisions established to provide […]

    Worth their Weight in Silver, Gold, Platinum, Diamond, Titanium, or Uranium?

    Thursday, July 18th, 2013

    You can tell a little about the status of your credit by the credit card offers you receive in the mail.  Ultra elite cards are offered to a few individuals on an exclusive basis, but there are cards for the common masses as well, just check your mail box.  Besides being a good way to […]

    Credit _______

    Monday, July 15th, 2013

    With so many similar terms using the label of “credit,” it is necessary to take a little time to differentiate between entities.  This article is simply meant to be a general overview of some terms to familiarize you for the battle of credit repair.  The following related terms deal with your credit history and may […]

    Optional 100 Word Statement

    Wednesday, July 10th, 2013

    Even while doing everything right, others can make mistakes that can negatively affect your credit report. The Fair Credit Reporting Act (1970) allows each person to attach an optional 100 word statement to their credit report to explain unresolved disputes. This is your chance to dazzle your creditors with your mighty pen’s wit and allows […]

    Doubling Student Loan Interest Rates: A Decimal Without a Point

    Monday, July 8th, 2013

    In response to the positive outlook of the economy, Ben Bernanke has spoken of releasing the tight grip of the Fed on the economy. In response, interest rates have Fosbury Flopped over previous rates. Without action by Congress, there is nothing to prevent student loan rates from following suite. In part due to Congressional inaction […]

    High Risk Lending Draws Down Scores Through Finance Companies

    Monday, July 8th, 2013

    There are some evil loans lurking around in the marketplace, waiting to suck points off your credit score indefinitely. These black holes of credit despair are more prevalent than you realize. Finance companies and payday loans can be obvious, but they can also attack from the shadows of consumer finance. High Risk Lenders Finance companies […]