by Sam | Sep 15, 2019 | Credit Maintenance
Many people who are homeowners today would not have been able to do it without a co-signer. Co-signing on a mortgage loan is one of the biggest favors you can do for your child, relative, or friend who is looking to buy a home. But co-signing on a mortgage puts a lot...
by Sam | Jun 5, 2019 | Credit Maintenance, Identity Theft
Credit Freeze Identity theft is increasing rapidly year after year. That is why, in the last few years, more and more consumers are starting to take action, like freezing their credit reports. Last year in May, congress signed a bill that gives consumers the right to...
by Sam | May 27, 2019 | Credit Maintenance, Repairing Credit
The Fair Credit Report Act (FCRA) is over one hundred pages to read. Understandably, many consumers are not aware of their rights found in the FCRA, as they do not have the time to read all those hard to understand English pages. In this post, I will give you, in...
by Sam | May 21, 2019 | Credit Maintenance, Repairing Credit
Debt collector agencies are the category for which the DCA receives the most complaints. Therefore, the DCA has beefed up the consumer protection laws against debt collectors. If a debt collector violates one of these laws they can be fined $1000 or more per incident....
by Sam | May 6, 2019 | Credit Cards, Credit Maintenance, Uncategorized
What Is A Credit Inquiry? A credit inquiry is when someone requests to view your credit report. There are two types of credit inquiries. There is a hard inquiry and a soft inquiry. A hard inquiry is when a lender requests to view your credit report in order to approve...
by Sam | Mar 24, 2019 | Credit Maintenance
There is a famous myth that if you open or close bank accounts often, then your credit score will drop. This is untrue, and in this post I will explain why. What The Scoring Models Know About You Scoring models do not know you personally. They only know the things...
