Does it Make Sense to Pay off Old Collections?
When it comes to managing your credit score, one important factor to consider is the presence of old collections on…
Impact of a New Late Payment on the Credit Score
A late payment on a credit card or loan can have a serious impact on a person’s credit score. When…
Why are There so Many Credit Scoring Models?
There are a multitude of credit scoring models in use today, each with its own unique method for calculating and…
Impact of Identity Theft on Credit
Identity theft occurs when someone obtains and uses your personal information without your permission, often for financial gain. This can…
How Credit Repair can Help you Buy a Home
Credit repair can be a valuable tool for those looking to buy a home. A good credit score is an…
The best ways to build your credit
How to Use Credit Monitoring Services to Your Advantage atx
Credit monitoring services are an excellent way for home buyers, home shoppers, car buyers, credit card shoppers in Austin, Texas…
How to Use Credit Monitoring Services to Your Advantage
Credit monitoring services are an excellent way for home buyers, home shoppers, car buyers, credit card shoppers in Houston, Texas…
Why are my scores different?
The most common methodology is FICO and is used in 90% of all lending decisions. And just to make it even more confusing there are 49 different FICO based algorithms across multiple industries. In the mortgage industry, the mortgage FICO scoring model has 9 different algorithms.