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Credit Repair Blog - From the experts!

Follow our credit repair blog for the most up to date credit education, credit repair tips and financial news. Check out our latest testimonials and success stories and keep up to date on the changes that effect your credit score.

5 Fascinating Things You (Probably) Didn’t Know About Credit Scores

Posted by Nikitas Tsoukalis on May 15, 2017

First and foremost, it’s important to know your credit score, but it’s never a bad idea to brush up on some of the more intricate details that shape your score. read more

Posted By : Buyer Tips, Credit Repair, Credit Scoring Model, Hot Credit & Financial news

Credit Inquiries – Can They Drop Your Credit Score?

Posted by Nikitas Tsoukalis on May 15, 2017

This has a tendency to make consumers uneasy, simply because there’s a misconception out there that when lenders pull credit scores and credit reports, it can negatively impact your overall score.

That’s not the case, just so long as you meet the proper time criteria. Let us explain: read more

Posted By : Credit Repair, credit score, Hot Credit & Financial news, Tools & Tips

Experian Fined by CFPB Months After TransUnion, Equifax Dinged for Similar Acts

Posted by Nikitas Tsoukalis on April 12, 2017

False advertising is defined as misleading consumers or potential consumers with incorrect or unproven information. You might say that Experian, one of the major credit scoring agencies, was found guilty of this recently. Specifically, Experian was fined $3 million by the Consumer Financial Protection Bureau (CFPB) for incorrectly telling consumers that the credit scores it offered were used by lenders to make decisions.

In addition to the fine, the CFPB informed Experian that it must be honest and accurate when relaying messages about the credit scores it offers moving forward.
read more

Posted By : Credit Repair, Credit Scoring Model, Finance News, Hot Credit & Financial news

Tax Liens, Judgments Could Be Omitted from Credit Reports in Near Future

Posted by Nikitas Tsoukalis on April 12, 2017

The Consumer Financial Protection Bureau (CFPB) has been winning a lot of battles for the people lately. Aside from socking Equifax and TransUnion with fines for deceiving consumers back in January. More recently, it hit Experian with a $3 million fine for the same thing in March. Now, it’s recently championed an effort to change the way tax liens and judgments are reported on your credit record. It's a major shakeup when it comes to credit reporting.
read more

Posted By : Credit Repair, Finance News, Hot Credit & Financial news, Real Estate News

How to Build Your Credit Score After Foreclosure or Short Sale

Posted by Nikitas Tsoukalis on April 12, 2017

So you've foreclosed on a home or had to sell for less than what you owed on the home? You probably think you're doomed as a consumer moving forward. And while a short sale or foreclosure is never something that you want to have on your credit report, neither is a be-all, end-all when it comes to purchasing power. However, it should go without saying that either a foreclosure or short sale will require consumers to enact some credit repair. read more

Posted By : Credit Repair, Finance News, Hot Credit & Financial news, Tools & Tips

Getting preapproved for a mortgage loan

Posted by Nikitas Tsoukalis on April 12, 2017

Spring has sprung, and beyond just the greening of grass, warming temperatures and longer days, it's also a period of the year that sees a significant uptick in real estate activity. Yes, with an increase in overall inventory come spring, the season is an ideal one for buyers on the hunt for their next home. But before you can buy, you need to get preapproved.

Unfortunately, getting preapproved is easier for some consumers than it is for others. Some consumers may need to enact some credit repair tactics to get their credit score where it needs to be for home buying. read more

Posted By : Building Credit, Buyer Tips, Finance News, Hot Credit & Financial news, Real Estate News

Here’s How 30% of Americans Are Putting Their Credit at Risk

Posted by Nikitas Tsoukalis on March 22, 2017

Here’s How 30% of Americans Are Putting Their Credit at Risk Say you have great credit or no credit risk. You usually pay off your credit card – or minimally have your debt-to-credit ratio at or below 30 percent. You’ve always paid your bills on time. You ha read more

Posted By : Company News

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