Free Annual Credit Report- The Good and Bad

Free Annual Credit Report- The Good and Bad

The FCRA (Fair Credit Reporting Act) instructs all three credit bureaus that they must provide every American consumer a right to receive a free copy of their credit report annually. But, as the saying goes, “When getting free honey, you may get stung too”. So here in...
Get A Late Payment Mark Removed Through Re-Aging

Get A Late Payment Mark Removed Through Re-Aging

Before I start, I want to make it clear that this post is referring to positive re-aging credit. This is 100% legal. We are not discussing re-aging negative marks. Re-aging negative marks is illegal (we hope to discuss that at one point in a separate post.) Re-Aging...
Credit Utilization

Credit Utilization

One of the biggest factors that credit models look at when calculating a credit score (it makes up 30% of a Fico score) is credit utilization. Credit utilization means how much of your credit line you utilize. The less money you spend on your credit cards, the less...