Credit Coaching Guide – Part 1 Don’t despair if you find yourself with a less than desirable credit score and credit history. You are human and can make mistakes. It’s natural. The key to this is recognize that your spending…
Finding Your Score Pt 1 You would think that finding out what your credit score is would be easy. In a way it is, but only because I’ve done my research and you won’t have to spend time surfing websites…
Paying Down Your Credit Cards Credit card debt can hurt our credit scores as well as cost a lot of money in interest. High credit card debt also leads to high debt to income ratios or DTI, and high DTI…
All About FICO (con’t) There are about 100 different ways to compute a credit score. As we have discussed FICO is the main source lenders use to derive a credit score. FICO has 49 different algorithms that are split across different…
All About FICO Back in the 1960’s, a company called Fair Isaac devised a unique system to determine the creditworthiness of people who apply for loans. Through a complicated mathematical computation, they were able to study a person’s credit history…
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The difference between identity theft and identity errors A popular credit topic these days is identity theft, and it is definitely a problem. Many people suffer when their personal information is stolen and credit is opened in their name. What so…
New Year New Beginnings For me the new year brings new and exciting opportunities. I am happy to announce my new company Elevatemyscores.com. I have spent the better part of ten years helping thousands get qualified for a home…
Credit Inquiries The final part is inquiries. That’s a list of everyone who asked to see your credit report. Any time anyone gets into the report, it’ll post an inquiry. That means if you try to apply for a credit card,…
Public Records The next section is the part you want to be blank. The public records section is never a good story. If you have a public record on there, you’ve had a problem that has required litigation. It doesn’t…
