Your Rights Under the Fair Credit Reporting Act The Fair Credit Reporting Act (FCRA) gives every consumer the right to dispute information they believe is inaccurate, incomplete, or unverifiable. Once a dispute is filed, the credit bureau generally has 30…
When a Dispute Letter Isn’t Enough Most credit report errors get fixed the normal way: you dispute it, the bureau investigates, and the mistake is corrected. But sometimes it isn’t. A bureau ignores its own 30-day investigation window. A collection…
Why Your Credit Report Deserves 15 Minutes of Your Time Most people only think about their credit report when a loan officer, landlord, or insurance company brings it up — and by then, it’s often too late to fix a…
When it comes to managing your credit score, one important factor to consider is the presence of old collections on your credit report. While it may seem like a good idea to pay off an old collection in order to…
Credit monitoring services are an excellent way for home buyers, home shoppers, car buyers, credit card shoppers in Austin, Texas to keep tabs on their credit. With so many Austinites buying houses in this recovering economy, you’ll want to make…
Credit monitoring services are an excellent way for home buyers, home shoppers, car buyers, credit card shoppers in Houston, Texas to keep tabs on their credit. With so many Houstonians buying houses in this recovering economy, you’ll want to make…
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.
Does this mean that the beginning of the year is the best time to start fixing your credit? The truth is the best time to start rebuilding your credit as soon as you are able.
What is credit card utilization and how can it impact your credit score? Your revolving accounts make up 30% of your credit score in the mortgage FICO credit scoring model. That is almost one third of your score.
For Immediate Release Contact: Chris Busch President, Elevate My Scores Phone: (281) 612 – 1281 Email: chris@elevatemyscores.com CREDIT 101 CLASS CHOSEN FOR ABoR ACADEMY AUSTIN REALTORS WILL HAVE ACCESS TO CREDIT EDUCATION [AUSTIN,TEXAS – October 10, 2018] Busch Consulting Services, Inc dba Elevatemyscores.com,…
