Can you have a high score after filing for a bankruptcy? You bet.

One of our primary tasks here at is helping people who have taken advantage of the protections afforded by the Bankruptcy laws get back on their feet and improve their credit going forward.   it’s good to hear that we aren’t the only ones who recognize that it is truly possible to achieve a very high […]

Do you like your inquiries “hard” or “soft”?

Here is a good article on the difference between "hard" and "soft" credit inquiries. Basically, a "hard" inquiry will count negatively towards your credit score, while a "soft" inquiry does not.  

What would Jesus think about … bad credit?

Money is the root of all evil, or so that’s the popular saying that permeates our collective conscience.  Really the accurate saying is more akin to “The love of money is the root of all evil.”  But how do we reconcile this saying with the current economic climate?     First, some facts, money is […]

Your insurance premium went up? Better check what’s on your report.

We've been telling our clients for years, your credit score and bad credit may not just affect whether you get that loan, or what interest rate you're going to be charged, it is increasingly being used in non-lending capacities.  The two biggies that are often discussed are insurance and employment.  Insurance companies have made the […]

Improve Credit Score After Identity Theft

It’s no secret, everywhere you look you are told of the dangers and increasing volume of identity theft.  Fortunately, there are some things that you can do to improve credit score after falling victim to this horrific crime. Unfortunately, this crime happens far too often.  Perhaps when you’re waiter swiped your credit card he also […]

Credit Clean Up For One Please. Credit Repair After Divorce.

A divorce can be devastating on so many levels.  You may be emotionally, and physically drained from dealing with such a tumultuous experience.  You are left trying to put back all the pieces of your life and starting anew, but there is one important thing to clean up in addition to all of the relationship […]

Things To Do To Fix Credit Problems In This Economy

Now is the time to start to fix credit problems to position yourself for the future.  The global recession, unfortunately, has touched almost every American consumer and business in a negative way.  Perhaps you have felt the effects personally, having lost your job, having your employer go out of business or possibly reducing your hours […]

Credit Dispute – Go it alone, or get Professional help?

One of the questions we are often asked is should I do my credit dispute by myself, or get some help?  There are many things to keep in mind when deciding what is the best answer for you.  Let’s walk through some of the things to consider before making your decision. We have developed a […]

Your Credit Score Range – What It Means, What It Costs.

Unfortunately, in our fast paced technology centric society your credit score range means everything to your finances and possibly your quality of life.  Lenders, banks, employers, insurance companies and a host of others look at what credit score range you fall within.  Lenders and Banks use this to determine if they will actually make you […]