credit repair

Dispute Letter Templates Are Bad For Credit Repair

Credit Dispute Letter Templates – It’s A Bad Idea There are numerous websites out there offering your Free Credit Repair Dispute Letter Templates. Websites that take your information, or give you (nearly) useless form letters that can do more harm than good. Websites like are giving Free Dispute Templates. But why are the Credit Bureaus making…

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How Long Negative Information Reports

  As you probably already know, your credit report is a valuable asset to your financial future and freedom. It contains such information which holds you responsible for your spending habits and likelihood of paying bills on time. Not only does your credit report play a major part on being approved for basic necessities such…

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Equifax Breach

Why you shouldn’t sign up for Equifax’s free credit monitoring

  Chances are you probably heard about the big Equifax breach. According to the Federal Trade Commission, from May to July 2017, 143 million people were affected in which personal and sensitive information was exposed including birthdates, tax information, social security numbers and addresses of those who have a credit report. Not only was sensitive…

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DIY repair

Three Reasons to Hire a Professional & Avoid DIY Repair

There’s a reason why you may have or are looking to hire a credit professional to clean up your credit profile, whether it’s because pesky creditors who have your phone ringing off the hook, or maybe you have just been denied and can’t find the time in your busy schedule to repair your own derogatory…

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Pre-approval Offers – How Credit Bureaus Sell Your Information

Have you ever received a letter in the mail saying you have been pre-approved for a fantastic credit card offer? Did you know that Credit Bureaus Sell Your Information? They are making profit by selling your information to Banks who mail you these Pre-approval offers. They may have even sent you the application to fill…

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finance for kids

Teaching Your Kids Good Financial Habits

It’s never to early when it comes to teaching your kids about good financial habits. Believe it or not, kids most often learn a lot of their habits and skills from their parents and older role models which carry into their adulthood. Ao even if you aren’t exactly financially savvy yourself, practicing good spending habits…

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Credit Score

Why Your Credit Score Matters

A credit score is a 3 digit numerical number ranging from 350-850 (FICO) which determines a person’s financial responsibility and credit worthiness. Payment history and credit inquiries are reported from credit lenders, to the 3 major bureaus (TransUnion, Equifax, and Experian) whom then generate a score depending on the lenders reported information. The difference between…

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VantageScore 4.0- The Newest Release

VantageScore is releasing their newest scoring model; VantageScore 4.0 in fall of 2017. This 4th generation of VantageScore’s scoring model will have a bit more information for lenders to determine if a consumer is a credit risk. VantageScore is introducing a new factor into a consumers overall credit score as an attempt to overstep FICO…

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Predatory Lending

Recognizing and Avoiding Predatory Lending

I’m sure you’ve seen it advertised; low interest payday loans approved for those with low or no credit, with even the ability to build credit when followed on the terms agreement.  Sounds great right? Building credit and borrowing money to keep yourself afloat until next payday could just be to good to be true! Well,…

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Paying Bills

Paying Bills On Time – Still Have Bad Credit?

  “I pay my bills on time, but don’t have good credit.” Paying Bills On Time DOES NOT mean you have GOOD CREDIT. Why? Because paying your bills on time – your payment history, only accounts for 35% of your overall credit score! So just because you pay on time, doesn’t mean you will have…

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