So here is some technical information for those that are working to repair their credit on their own and having trouble getting their loan approved. Completing the cycle of credit challenged client to closed borrower involves much more than writing dispute letters. Today I want to discuss removing dispute language after the investigation has been [...]
Completing the cycle of credit challenged client to closed borrower involves much more than writing dispute letters. Today I want to discuss removing dispute language from your credit report after the investigation has been completed. First, I would like to clarify that there is no way to circumvent having dispute language populate on items that [...]
Layaway has made a comeback with many retailers like Wal-Mart, Target and K-Mart. The big question is; is it a good idea or should it be avoided? After 12 years in the credit industry, the answer is the same as 90% of all credit related questions; it depends! Propecia is a prescription-only medicine that is [...]
In the never ending quest for a higher credit score, we look for every possible edge to help our clients achieve their goal. Many consumers that apply with us don’t actually need credit repair. These individuals merely need to bolster and improve the positive credit in their file. Mortgages, car loans and credit cards are [...]
Do I have your attention? Good! After servicing more than 8000 consumers, I have pinpointed the glaring reasons why credit repair is effective for some and not for others. Today I am going to share my findings with you in the effort to provide clarity and understanding on an industry wide scale. Let’s start with [...]
Owning a credit repair company, I am asked questions every day about the impact activity on credit reporting that result from credit myths. Over time certain misconceptions continue to manifest themselves repeatedly. I don’t fault the consumers and financial professionals for not understanding. Between the shrouds of privacy behind the credit reporting agencies, and the [...]
After the past two days at a credit repair conference in Tampa, I spent my flight home reflecting on the industry. The topic that kept resurfacing was the bad reputation of credit repair. So I asked myself; why is credit repair considered to be such a pariah? Well in case you’re interested, I’m spilling the [...]
Yesterday I was packing for another credit conference, and I was watching the news discuss the end to the Government shutdown and increase in the debt ceiling. I find it ironic how human nature does not discriminate and how desperately this country needs a culture shift. Wait; make that a culture shock. No matter how [...]
The analogy “You Can’t Un-ring a Bell” holds true in most every case. Unfortunately a large number of Americans do just that when they call it quits with their spouse. Some end amicably and some, well let’s just say they end. No matter the situation, there are a lot of variables that are affected when [...]
Phantom Debt Collectors are REAL! For many Americans, it is. These harassing, threatening calls can get perfectly rational people to pay debts they are certain they do not owe. “It was worth it just to stop the calls” a client recently told me. You will know a Phantom Debt Collector when they call because they [...]