How Does Your Life End Up on a Credit Report?

Credit reports are generated by credit bureaus, companies that research information on consumers.  Credit bureaus do not operate as a public service information repository. They are for-profit organizations who are in business to make money by selling the information collected from various sources to creditor organizations such as banks, finance companies, and department stores.  There…

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How a Credit Report is Like a Car

Nobody believes that their car, truck or SUV is going to continue to run smoothly without some care and attention.  You fill it with gas, get periodic oil changes, rotate the tires, check the fluid levels, and perform other routine maintenance and repair tasks. Your credit is no different.   Credit reports from Equifax, Experian, and…

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Let’s Talk About FICO Scores

A FICO Score is a numerical value assigned to a person that measures their creditworthiness.  The score is calculated on a number of factors and is used by banks, credit card companies, and other lenders to determine whether to lend money or not, how much to lend, and at what interest rate. FICO Scores generally…

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PLAY THE ODDS

On average, your FICO Score at will only increase 1-2 points a month, when nothing changes, meaning NO new negative info, missed payments OR additional debt is added.

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CREDIT IS LIKE A CAR

NO ONE ever gets to a point where some effort is not required to keep and maintain your credit rating and FICO Scores; and ONLY successful people have real credit issues!

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