Does Your Credit Report Say You’re A Terrorist?

We help a lot of people here to fix credit issues appearing on their credit reports, and suffice it to say, we thought we saw it all.  That is until we saw this whopper

Chase finally admits that it made a BIG mistake.

Imagine not knowing that the bank made a $16,000 error on your credit card, and then filed suit against you and obtained a judgment.  Even worse, imagine that when you tell the bank of the error they tell you tough cookies. Well, that’s exactly what happened to California mom, Heather Rose.

Consumer Financial Protection Bureau issues first report on credit bureaus

The Consumer Financial Protection Bureau (CFPB) released its first report on the major credit bureaus since it expanded its jurisdictional reach in July.  The major credit bureaus are Equifax, TranUnion and Experian. As expected, your credit report history is comprised mainly of credit card history and debt collection items generate the highest rate of credit […]

Does Using A Charge Card Help Your Credit Score?

Here’s an interesting take on the question of whether or not using a charge card will help you improve your credit score. Remember there is a difference between a charge card, like an American Express, and a credit card like a Visa.  

Help Is On The Way – New Rules For Mortgage Servicers

Looks like the governments newest agency, the Consumer Financial Protection Bureau, is getting a little more serious.  They have proposed new regulations against Mortgage Servicers, the companies who collect your payments and harrass you when they’re late. Although you may think that the company you send your monthly mortgage check to is your lender, in […]

How Is Your FICO Credit Score Calculated?

Here’s a handy little chart we put together to help you understand what information affects your credit score. Improving the information in any of these categories will have a significant effect on your score. In general your credit score is made up of your payment history in addition to other factors.  (If you don’t know […]

Surgically Remove Medical Collections From Your Credit Report

  Medical collections can be like an infection on your credit report.  Once they get on there it’s going to take some strong medicine to get them off, and if left to long surgical removal may be your only alternative. 

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 […]