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  • Archive for July, 2014

    Impact & Recovery of 30 Day Lates on Credit

    Monday, July 28th, 2014

    Of all the late payments to show up on your credit report, mortgage payments are the most significant.  For a late payment to be reported to the credit bureaus, it must be at least 30 days past the initial due date.  At that point, a 30 day late is reported, and every additional 30 days […]


    Monday, July 21st, 2014

    An inquiry is the reporting of anyone’s request to obtain your credit report.  For a company to pull your credit, they must be able to demonstrate “a legitimate business need for the information.” Inquiries are reported on your credit report.  As part of the New Credit category comprising 10% of your FICO score, inquiries have […]

    Foreclosures vs. Short Sales

    Monday, July 14th, 2014

    Short sales are sweeping the nation as the best way to get out of a bad mortgage situation.  Just driving down the freeway we see mortgage experts plastered on billboards endorsing their short sale salvation techniques.  As with many new options, short sales are not well understood by consumers.  A common myth is that a […]

    Credit Bureaus – The Ugly Truth

    Monday, July 7th, 2014

    The average American consumer has little knowledge of the credit reporting process that leads to the formation of credit reports.  Most understand that credit reports are important, but few investigate their own report for errors.  This inherent trust of the credit reporting process is unfounded and dangerous.  The three largest consumer reporting agencies (CRAs), or […]

    Credit and the American Dream for New Residents of America

    Friday, July 4th, 2014

    In honor of Independence Day, we devote this blog to educating the newest Americans to the world of American credit.  So while learning the great heritage of this nation, created 4 July 1776 by the Declaration of Independence, you can also learn about how you can reach your own American Dream.  The big question here […]