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  • Archive for August, 2014

    Ways to Boost Credit Scores FAST

    Monday, August 25th, 2014

    The best of credit scores come with smart credit management over time. The largest single factor on a credit score is your payment history (35%). Another important factor is length of credit history (15%). That means 50% of your credit score has to do with “history.” For a really powerful credit score, it simply takes […]

    What is a Charge Off?

    Monday, August 18th, 2014

    When an account on your credit report is listed as charged off, it does not mean that you get off free. Oh contraire, a charge off is one of the worst things that can happen to an account. A company writes an account off as a “charge off” when the company has lost all faith […]

    New FICO Scoring Model – Is it About to Get Easier to Get a Mortgage Loan?

    Wednesday, August 13th, 2014

    This week FICO announced a new scoring model to help expand consumer access to credit.  With the average FICO score only “Fair” at 692, American consumers can use a little good news, but what will the real impact be on the average consumer’s ability to acquire a mortgage loan? FICO Score 9 – It’s been six years […]

    Frequency of Inaccuracies – Reporting Errors on Credit Reports

    Monday, August 11th, 2014

    Lebron James shot .567 from the field in 2014. Ty Cobb hit .366 over the course of his career, good enough for the best of all time. Peyton Manning’s completion percentage was .683 in his 2013 campaign. So how are the credit reporting agencies doing? We would expect excellence from those reporting our financial dealings […]

    Lawyer and Judicial Involvement

    Monday, August 4th, 2014

    Teddy Roosevelt’s most famous quote describes his foreign policy, “Speak softly and carry a big stick.”  This saying applies well to credit restoration, where it is best to speak softly while disputing and to carry the big stick of legal action.  When dealing with big companies, you need to realize their way of working.  They […]