Credit Repair

A Credit Pull or “Hard Pull” on your credit report is when someone accesses your credit history and it has an impact on your credit score. Let me emphasize the part has an impact on your credit score. A “Soft Pull” on your credit report can yield the same information but not […]

[Read more →]

Credit Card Offers! Can they be stopped?
If you are like me, when I bring in the mail everyday, invariably there are a few credit card offers. I used to just toss them out. Now, I’ve made sure that I don’t get them anymore, and I’ll show you how too. To someone trying to steal your […]

[Read more →]

Yes, Bad Credit Repair! Good Credit Repair just didn’t make any sense!
With tax season over, a lot of people are focusing on fixing their bad credit. How you got to this point of bad credit is not a mystery. With ever increasing gas prices, rents and groceries, it’s no wonder […]

[Read more →]

With interest rates hitting an all time low, this might be a good time to consider refinancing your house to lower your mortgage payment. Before I knew a thing or two about credit repair, I would always approach a mortgage broker and get some quotes on different mortgage types and pick the best one […]

[Read more →]

Everyday I’m in this business I hear people giving bad advice. The one piece of bad advice that I hear the most is that you must wait 7 years to have negative credit removed from your credit report. It really depends on the trade line in question.
Some of the ones you […]

[Read more →]

For those of you familiar with golfing, you know what I mean. You step up the first hole, the flag is 240 yards out, a small breeze from the southeast, your backswing is perfect and….you chunk it 20 feet to the right and nail the golf cart. Time for a mulligan. Or […]

[Read more →]

A credit monitoring service allows you to access your credit report at one or all 3 major credit bureaus. The typical service will also allow you to see your credit score initially and then at specified time periods. You can setup alerts to notify you of major changes to your credit file. […]

[Read more →]

Revolving credit is credit extended to you in the form of a major credit card or department store credit card. You will be given a maximum amount that you can charge on this card and then be assessed a minimum payment based on your current balance due. The interest […]

[Read more →]

If you have made the decision to repair your credit, you are not alone. Almost 80 million people in the U.S. have poor credit. So, can you do it yourself or do you hire a credit repair service or possibly an attorney to help? A typical service will charge you a monthly fee. […]

[Read more →]

Are you the kind of person who pays off all their credit card bills at the end of each month? You might be surprised to find out this actually has an adverse affect on your credit. Because lenders make money by charging interest, your credit score is derived by your ability […]

[Read more →]