Credit Construction Underway

10/19/2023

02/08/2022

Millions of Americans, myself included have been victim to identity theft. In addition to dealing with the feelings of vulnerability and hopelessness we have to fight the creditors and credit bureaus who in recent years have made it more difficult for victims to get their reports cleared. In my career as a credit repair advocate we've encountered instances where our clients have been stolen and we helped them clear their name.

02/07/2022

Why Did My Credit Score Drop?

Is a common and valid question...

Here is what WE KNOW...

Errors and oversights could drop your credit score by as much as 100 points...

Okay - so It’s common for credit scores to fluctuate in small increments. However, if you see a large drop of at least 15 to 110 points, you should find out the cause. This can help you determine whether it fell based on your actions, a credit reporting error or possibly identity theft.

We suggest monitoring your credit score beyond Credit Karma on a monthly basis...

02/03/2022

Let's CHAT!

Your credit score is one of the most important numbers in your life - agree or disagree?

Our take: WE AGREE!

Your credit scores determine a lot more than the loans you can get and the interest rates you pay. Insurers use credit scores to set premiums for auto and homeowners coverage. Landlords use them to decide who gets to rent their apartments. Credit scores determine who your mortgage amount and if you even qualify for a home - and who has to make bigger deposits to get utilities.

02/02/2022

So, you raised your credit scores - you are also trying to never go back to the days of low scores, high interest rates and denials.

Here are a few tips on how to ensure you don't have to hide from old credit scores.

1. Pay your loans on time, every time.
2. Don’t get close to your credit limit.
3. Only apply for credit that you need.
4. Fact-check your credit reports regularly.

02/01/2022

What Does a Credit Report Include?

Great question.

Your credit report includes basic identifying information like your name, address, and place of employment. It also contains detailed information about your debts, account history, and credit inquiries.

The report shows your account histories, such as for credit cards and loans, including information such as the date you opened the accounts, your credit limits, loan amounts, your account balances, and payment history, including any late payments.

01/31/2022

We help FUTURE homeowners!

Our goal is to help them qualify for homeownership by addressing their credit scores, ensuring they have proper DTI (debt to income ratio), rebuilding credit and etc.

Are YOU a future HOMEOWNER?
If so - contact us today!

01/28/2022

A Credit Tip of The Week...

A good credit score depends on using credit responsibly over time. Here are a few tips from the Consumer Financial Protection Bureau (CFPB) to help keep your score up.

Credit scores can be confusing for some - need clarity or want to start the process of credit your credit together - schedule a time to chat.

01/27/2022

Have you ever saw someone who heroically leaped forward and protected someone - maybe they didn't wear a cape - but they spoke up and defended with all their might?

That is what reputable credit repair companies likes ours do - we take our experience, knowledge of the Fair Credit Act and a plethora of etc. - and we defend/educate our clients.

Can you address the credit bureaus yourself? Of course, but WHY - when you can HIRE us.

01/26/2022

Have you ever applied for a car loan, either on your own and through a dealer, and your credit score came out different than what Credit Karma?

For those not in the know, your credit score is dependent on three different credit bureaus: TransUnion, Experian, and Equifax. And while it’s imperative to know your credit score from all three of them, sites like Credit Karma only show you scores from two of them, mainly TransUnion and Equifax.

Basically, Credit Karma scores are not usually reflective of your actual scores as most lenders utilize FICO.

01/25/2022

Have you attempted to buy a car recently and weren't approved? Or, you were approved - but the interest rate was high - which in turn would have you paying $670 a month for a decade old car with high miles.

Maybe - they ran your credit and instead of the car you wanted - they walked you to the cars YOUR CREDIT QUALIFIED FOR?

Or - they asked if you had someone with better credit to come and sign for you - guarantee you will pay - because your credit history looked either lean or suspect?

If so - schedule an appointment!

01/24/2022

We don't know who need to hear this - but you don't have to have bad credit forever - or even in 2022.

It will take trust.
It will take patience.
And - some teamwork.

But - we can HELP!

Schedule a consultation today!