Category: Credit Scores

Piggybacking Credit- Everything You Need to Know

by Sam Billo | Mar 10, 2019 | Building Credit, Credit Scores, Improving Credit | 0 |

What Is Piggybacking Credit? Piggybacking credit is having a third party, a credit worthy...

Experian Boost

by Sam Billo | Jan 20, 2019 | Credit Scores | 0 |

Experian recently announced a new program which will help consumers who don’t have any credit...

Charge Card Utilization- What You Need to Know

by Sam Billo | Dec 16, 2018 | Credit Cards, Credit Maintenance, Credit Scores | 0 |

Credit utilization is one of the big factors that credit scoring models look at. Credit...

Fico Reason Codes – What We Can Learn from Them

by Sam Billo | Nov 19, 2018 | Credit Scores | 0 |

The last few weeks I posted about a leaked Fico document revealing a full list of the Fico reason...

Fico Reason Codes

by Sam Billo | Nov 12, 2018 | Credit Scores | 0 |

Last week I posted about a leaked Fico document containing a list of all the Fico reason codes. I...

Leaked Fico Document-Reasoning Codes

by Sam Billo | Nov 5, 2018 | Credit Scores | 0 |

Which Factors Does Fico Use To Calculate Your Score? In this day in age, where transparency is at...

Fico XD- Introducing Alternate Data

by Sam Billo | Sep 2, 2018 | Credit Scores | 0 |

Traditional Fico scoring models only factor in information found on a consumer’s credit report. A...

The Best Websites to Monitor Your Credit Report For Free

by Sam Billo | Aug 6, 2018 | Building Credit, Credit Scores, Improving Credit | 4 |

Updated: 08/07/18 In today’s day and age we hear daily in the news of new hacks and new identity...

How Many Credit Cards Should I Have In My Wallet?

by Sam Billo | Jul 29, 2018 | Credit Scores | 2 |

I have advised a friend of mine to open a new credit card which has a great sign- up bonus (I was...

Understanding the Fico Scorecards

by Sam Billo | May 27, 2018 | Credit Scores | 0 |

People always ask, how much will a late payment affect my credit score? 100 points? 150? What...

Which Credit Score Model Is Used When Applying For A Mortgage?

by Sam Billo | Apr 22, 2018 | Credit Scores | 0 |

Uptaded: 04/22/18 As discussed in past posts, there are many different scoring models within each...

Rate Shopping- Will It Affect My Credit Score?

by Sam Billo | Apr 15, 2018 | Credit Scores | 0 |

Rate Shopping Updated: 04/15/18 In the grocery, we find people that touch, squeeze, and feel every...

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