by Sam | Nov 24, 2019 | Credit Maintenance, Repairing Credit, Uncategorized
Chana F. is a working mom, juggling work and taking care of her four children. Life for her was always busy, but one day her oldest daughter started complaining about severe foot pain and she always seemed to be tired. Chana, as a responsible mother, got in touch with...
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 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...
by Sam | Feb 4, 2019 | Credit Cards, Credit Maintenance
Things in life, unfortunately, do not always go as planned. Sometimes due to certain circumstances (medical emergency, unemployment, financial disaster, etc.), you may find yourself with very high credit card bills. You know that there is no way you can afford the...
by Sam | Dec 24, 2018 | Credit Maintenance, Repairing Credit
Bumpage The trick There used to be a trick on how to remove credit inquiries though a process called bumpage. It worked as follows: Transunion designated enough room on a credit report for only 66 credit pulls. Equifax designated place for up to 85 credit pulls....
