How Are Credit Scores Calculated

How are Credit Scores Calculated

A question we are often asked is “How are credit scores calculated?”. The methods of calculating your FICO credit score may differ slightly depending on the credit bureau. When obtaining your score from one of the Credit Bureaus it is  important to understand that your score does not come directly [...]

Improving Your Credit Score

Seven Tips for Improving Your Credit Score:

Knowing how credit scores are calculated is only part of having a good credit score.  Taking action to ensure your credit score remains as high as possible is more important.  Start making changes now to ensure your credit score is as high as it can be. The seven credit [...]

Dispute Credit Reports

Disputing Credit Report Information

It is estimated that more than 90% of credit reports contain some sort of inaccurate information.  Some of this information may be damaging to your credit score.  Not only will this cause you to pay higher interest rates, it could impact your ability to get hired or even affect things like auto [...]

Is Credit Repair Legal

Is Credit Repair Legal? The Law is on Your Side:

What’s the most common question we get regarding credit repair? If you said “is credit repair legal?”, you’d be right. The media has blasted the credit repair industry because of rampant fraud and abuses. In fact, because of the abuses congress enacted legislation called [...]

The Truth About Credit Repair

Introduction to Credit Bureaus, Credit Reports and Credit Scores

It is amazing to us how many people think that the credit bureaus or credit scoring companies are government entities. Here’s the truth. The only thing these “businesses” have in common with the government is that they are regulated by it. The information they collect is sold [...]