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Every time you apply for credit, your score drops.Or does it?If you’re buying a home, you’ve probably heard:“Don’t open ...
04/29/2026

Every time you apply for credit, your score drops.

Or does it?

If you’re buying a home, you’ve probably heard:

“Don’t open any new credit accounts before closing.”

And that’s true.

But most people are scared of ANY credit check… even checking their own score.

Here’s where it gets confusing

Some credit checks can hurt your score.

Others don’t affect it at all.

Do you know the difference?

There are TWO types of credit inquiries: hard and soft.

Soft inquiries like checking your own credit or getting pre-approved offers have ZERO effect on your score.

Hard inquiries like applying for a credit card or car loan can lower your score, usually by a few points.

But mortgage shopping is DIFFERENT.

Most FICO models give you a window to shop multiple lenders, and those inquiries are grouped together and counted as one for scoring.

So you can compare rates from multiple lenders within that window and only take one small hit to your score.

Most homebuyers don’t know this and are afraid to shop around.

That fear can cost them thousands.

Here’s the real rule:

Don’t open new credit cards, car loans, or store accounts while buying a home.

Not just because of the inquiry, but because new debt can hurt your approval.

But mortgage shopping?

That’s smart.

Get quotes from at least 3 lenders within a short window.

Your wallet will thank you.

03/27/2026

Want a simple plan to pay off your credit card debt?

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03/02/2026

Fix your credit, grow your business

03/01/2026

Bad credit? Get approved faster

02/26/2026

Are you someone who wants better renting options and fewer denials? FOLLOW for more credit education

02/26/2026

Are you someone who wants to build credit the right way? FOLLOW ME for more credit and education

02/13/2026

An eviction doesn't have to follow you forever.

Most people think an eviction is permanent.

It's not.

Evictions show up in tenant screening reports that landlords use to decide whether to approve you.

And just like your credit report, you have the right to dispute wrong information.

Here's what you need to know 👇

There are thousands of tenant screening companies that collect eviction records.

They scrape public court databases and sell reports to landlords.

These companies follow the Fair Credit Reporting Act.

That means if they report wrong information about you, they have to fix it or delete it.

And here's the problem.

Studies show that 22% of eviction records contain errors.

Here's how to get an eviction removed.

𝗦𝘁𝗲𝗽 𝟭: 𝗚𝗲𝘁 𝘆𝗼𝘂𝗿 𝗿𝗲𝗽𝗼𝗿𝘁

If a landlord denies you, they have to tell you which screening company they used.
Request a copy of your report from that company.

You're entitled to a free copy within 60 days of being denied.

𝗦𝘁𝗲𝗽 𝟮: 𝗗𝗶𝘀𝗽𝘂𝘁𝗲 𝗮𝗻𝘆 𝗲𝗿𝗿𝗼𝗿𝘀

Send a written dispute letter to the screening company.

Point out anything that's wrong.

Wrong person. Dismissed case showing as an eviction. Outdated information. Sealed records still showing up.

They have 30 days to investigate.

If they can't verify the information, they have to delete it.

𝗦𝘁𝗲𝗽 𝟯: 𝗙𝗼𝗹𝗹𝗼𝘄 𝘂𝗽

If they don't respond or they verify it without proof, send another letter demanding they show you their evidence.

If they still refuse, file a complaint with the Consumer Financial Protection Bureau.

𝗧𝘄𝗼 𝗯𝗼𝗻𝘂𝘀 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀

If you were evicted for not paying rent and you can pay it now, contact your old landlord.
Offer to settle.

Many landlords will agree to remove the eviction record if you pay what you owe.

If you were evicted illegally or wrongfully, you might have grounds to sue.

Most consumer attorneys take these cases on contingency, which means you don't pay unless you win.

An eviction makes it hard to find housing. But it doesn't have to be permanent.

Tenant screening companies operate under the same rules as credit bureaus.
And that means you have rights.

Drop a comment below.

Have you been denied housing because of an eviction?

02/12/2026

Medical debt isn't like other debt. And now the rules finally reflect that.

Starting in 2023, the credit bureaus changed how they handle medical collections.

Most people don't know about these changes.

But if you have medical debt on your credit report, these new rules could help you get it removed.

Here's what changed 👇

Paid medical collections don't show up anymore.

If you paid it off, it shouldn't be on your report.

Medical collections under $500 don't show up anymore.

The bureaus stopped reporting them.

Medical collections need to wait one year before appearing on your report.

If it's newer than that, it shouldn't be there.

Back in 2025, many lenders decided they will ignore medical collections when deciding whether to approve you.

Here's how to use these rules.

𝗦𝘁𝗲𝗽 𝟭: 𝗖𝗵𝗲𝗰𝗸 𝘁𝗵𝗲 𝗱𝗮𝘁𝗲

If the medical collection is less than one year old, dispute it. It's not supposed to be there yet.

Step 2: Check if you paid it

If you paid the full amount, it should already be gone. If it's not, dispute it.

Even if you only paid part of it, you might be able to get it removed with proof of payment.

𝗦𝘁𝗲𝗽 𝟯: 𝗟𝗼𝗼𝗸 𝗳𝗼𝗿 𝗽𝗿𝗶𝘃𝗮𝘁𝗲 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻

If the collection shows details about your medical condition or treatment, that could be a HIPAA violation.

Dispute it immediately.

𝗦𝘁𝗲𝗽 𝟰: 𝗖𝗼𝗻𝘁𝗮𝗰𝘁 𝘁𝗵𝗲 𝗱𝗼𝗰𝘁𝗼𝗿 𝗼𝗿 𝗵𝗼𝘀𝗽𝗶𝘁𝗮𝗹 𝗱𝗶𝗿𝗲𝗰𝘁𝗹𝘆

Sometimes the original provider will recall the debt if there was an insurance mix-up or billing error.

Ask them to pull it back from collections.

Step 5: Ask for an itemized bill

Request a detailed breakdown of every charge.

Look for duplicate charges, wrong insurance processing, or services you never received.
Any error you find gives you leverage to get the collection deleted.

One more thing

Medical providers are different from other debt collectors.

They're often willing to delete the collection in exchange for payment.

Even partial payment.

Other types of debt collectors won't do this. But hospitals and doctors will.

If you have medical collections hurting your credit, now's the time to act on these new rules.

Drop a comment below.

Do you have medical debt on your credit report?

02/10/2026

The fastest way to fix your credit illegally is also the fastest way to ruin your life.

I need to warn you about something dangerous.

Some people online are telling you to file fake identity theft claims to delete debt from your credit report.

They make it sound easy. They make it sound safe.

It's neither.

Here's what actually happens 👇

Filing a false identity theft claim is a federal crime. It's called fraud.

You can face up to five years in prison. Fines up to $250,000. A criminal record that follows you forever.

The investigators aren't stupid.

When someone claims that 10 different accounts from 10 different companies all happened because of identity theft, they know you're lying.

Real people have gone to jail for this.

Credit repair professionals have been shut down. Clients have been prosecuted. It's not a scare tactic. It's public record.

Here's the truth nobody wants to hear.

Legal credit repair works. It just takes longer.

You fix inaccurate information. You challenge unverifiable data. You follow real laws.

It's not sexy. It's not instant. But it doesn't land you in federal court.

I've seen people completely turn their lives around doing it the right way.

New homes. Better cars. Financial freedom.

And they did it without risking everything.

If someone tells you to file a fake police report or claim identity theft for debts you actually owe, run the other direction.

Drop a comment below.

Have you seen these scams being promoted online?

02/10/2026

If you can't prove you sent it, you never sent it.

Most people write dispute letters wrong.

They keep it short. They stay vague. They hope the credit bureau figures it out.

Then nothing happens.

Here's what actually works 👇

Your dispute letter needs three things:

𝟭. 𝗧𝗲𝗹𝗹 𝘁𝗵𝗲𝗺 𝗲𝘅𝗮𝗰𝘁𝗹𝘆 𝘄𝗵𝗶𝗰𝗵 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝘆𝗼𝘂'𝗿𝗲 𝘁𝗮𝗹𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁.

Don't just say "my Capital One account."

Say "Capital One account ending in 1234, opened on June 2019, current balance $3,200."

Be so specific they can't confuse it with anything else.

𝟮. 𝗧𝗲𝗹𝗹 𝘁𝗵𝗲𝗺 𝗲𝘅𝗮𝗰𝘁𝗹𝘆 𝘄𝗵𝗮𝘁'𝘀 𝘄𝗿𝗼𝗻𝗴.

Don't say "the payment history is wrong."

Say "This account shows a late payment in March 2023. I was never late in March 2023.

My bank statement shows I paid on March 10th, before the due date of March 15th."

The more specific you are, the harder it is for them to ignore you.

𝟯. 𝗧𝗲𝗹𝗹 𝘁𝗵𝗲𝗺 𝗲𝘅𝗮𝗰𝘁𝗹𝘆 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁.

Say it clearly: "Correct this error" or "Delete this account."

The law gives them these two options.

But if you don't tell them what you want, they'll pick the easiest option for them. Not for you.

One more thing

Always prove you sent your letter. Use certified mail. Keep a copy of everything.

Or if you dispute online, record your screen while you submit it.

If you can't prove you sent it, it doesn't count.

Most disputes fail because people leave out one of these three things.

Don't be most people.

Need help writing a dispute letter that actually works?

Drop a comment below.

What's your biggest question about writing dispute letters?

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