The Customer is Always Wrong

A client calls and immediately tells me she just needs “x and x” removed. Our standard procedures are to always take a look and audit a credit report before giving any actual advice. But she was so confident that I almost didn’t push. Then I noticed that her loan officer had already sent us both…

Continue Reading →

The Problem With Our Credit Repair Services

There’s a problem with our credit repair services. I’ll explain… Just the other day I had a client email me that she was very upset and canceling services for both herself and her husband. She was a referral from a loan officer. She wants to buy a house and has nothing but derogatory information on…

Continue Reading →

Why Your Credit Score Is Different Than The Score Your Lender Sees

FICO isn’t the only credit score model. It’s simply the one lenders use when deciding whether to offer you credit. It’s also not the one people usually receive when they ask for a copy of their own credit report. You get the same raw data, but you don’t get to see the same number that…

Continue Reading →

How to Remove Credit Inquiries

If credit inquiries are a source of frustration to you, then you’re in the right place. The section on your credit report called “Credit Inquiries” lists the creditors and companies that have pulled your credit report in the last 2 years. There are two types of inquires: Hard and Soft. A soft inquiry is the…

Continue Reading →

Why The Credit Bureaus LOVE Bad Credit

Your credit profile is made up of data collected by creditors, then reported to the credit bureaus. The bureaus then make a profit by selling this data in reports, leads, and other methods to creditors for the purpose of issuing new credit or soliciting you for credit. For example, when a creditor, such as CHASE,…

Continue Reading →

Boost Your Credit Score Without Credit Repair

You’re about to learn a little known, highly effective, and thoroughly proven strategy I have used to help literally thousands of my credit repair clients to dramatically boost their credit scores almost overnight. I have personally helped thousands of hard working Americans just like you get the credit scores they deserve and get back on…

Continue Reading →

What’s in a Credit Score?

There are many types of credit scores, but lenders only care about your FICO score, so let’s examine how FICO scores are determined. There are 5 factors that go into your FICO score. 1. Past Delinquencies – makes up 35% of score Timing of the delinquency – more recent lates affect scores more Level of…

Continue Reading →