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    10 Credit Tips to Improve your Life in 2017

    Monday, December 19th, 2016

    Carrying a Balance Will Hurt You More Until a year ago, Federal Reserve rates were at zero for more than half a decade. A rate hike in December of 2015 and another hike in December of 2016 has changed the trend. Expect three more rate hikes in 2017. Creditors and credit card companies are likely […]

    Don’t be Scammed – Free Credit Report Source

    Thursday, September 29th, 2016

    Google “Free Credit Report”. You, like nearly 100 million other Americans want to take advantage of your right to an annual free credit report. Freecreditreport.com sounds legit… or maybe freescoreonline.com should work… how about creditreport.com or creditkarma.com sounds fancy.  Page after page of impostor sites vying for tens of millions of googlers.  Who to choose? […]

    Upcoming Changes to the Credit Industry – Part 1

    Wednesday, September 28th, 2016

    If political unrest, social conflict, and economic insecurities weren’t enough, the upcoming changes to the credit industry can be the cherry on top of your already melting sundae. Over the next three posts, we will be exploring the changes surrounding the credit industry. Specifically: – Credit Scoring – Consumer Privacy Rights – Credit Repair In […]

    Two Big Changes Impacting Medical Debt & Credit Scores

    Tuesday, August 23rd, 2016

    Medical debt is the most common type of collection, consisting of 52% of all accounts reported by collection agencies.  According to Experian, 64.3 million Americans have a medical collection recorded on their credit report.  Consumers have argued that medical debt impacts their credit rating unfairly and now a legal settlement and a revised credit model […]

    Does the “Authorized User” Strategy Still Work In Building Credit?

    Tuesday, July 26th, 2016

    Becoming an authorized user on an existing credit card account can still be a very powerful tool in building your credit score. The 1974 Equal Credit Opportunity Act (ECOA) imposes an important requirements on creditors; when providing information to the credit bureaus, creditors are required to furnish information for the authorized user as well.  According […]

    Credit Invisibles – 5 Ways it is Costing You

    Tuesday, June 28th, 2016

    According to a recent report by the Consumer Financial Protection Bureau (CFPB), 26 million American consumers were credit invisible, representing 11% of the adult population.  An additional 19 million consumers, representing 8.3% of the adult population had credit records that were categorized as unscorable because of insufficient credit history or a lack of recent history.  […]

    What Does Your Age Say About Your Credit Score?

    Tuesday, June 28th, 2016

    If you are a Baby Boomer, chances are you have an excellent credit score. The average credit score for those 55 and older is nearly 700. The bad news is if you are “Generation X (1965 – 1976)”, a “Millennial (1977 – 1995)”, or “iGen, Gen Z or Centennial (after 1996)”, the average score is […]

    Boost Your Credit Score With One Call

    Thursday, May 26th, 2016

    It’s no surprise that 35% of a FICO credit score is based on “Payment History”.  If you have a rocky payment history, you may think that the only way to boost your score is by improving your payment performance.  Yes, that should be your objective, of course, but remember only a little more than a […]

    Half of Homebuyers Want to Improve Credit Scores Before Buying

    Tuesday, April 26th, 2016

    One in four American consumers don’t qualify for an FHA loan due to low credit scores.  But according to a new Experian survey, 45% of future buyers have delayed a purchase to improve their credit score and one in five are likely to opt out of the loan process all together for the next 5 […]

    Pete the Planner and Why Credit Scoring is Changing

    Wednesday, March 23rd, 2016

    By: Alex Grimnes Each morning I search a variety of news sources for updates on the credit industry. It’s amazing what you find, especially on the “quick fixes” for credit, but I found a recent article written by Pete the Planner for USA Today regarding a consumer’s request to learn more about fixing their credit […]