The Credit Vixen

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The Credit Vixen

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The Credit Vixen helps clients repair, rebuild, and understand credit with a mortgage focused strategy. www.TheCreditVixen.com

Led by Mia Prather, board certified credit consultant with 20 years of mortgage experience.

11/02/2026

🚨 Heads up, Texas: the FTC recently shut down a credit repair operation accused of taking nearly $200 MILLION from consumers through false promises and illegal upfront fees.

Here's how the clean operators do it:
✅ Never charge you before any work is done
✅ Never promise to erase what's accurate
✅ Never guarantee a score jump

If anyone ever promises your credit can be "fixed overnight" — walk away.

Real credit work is steady, honest, and legal. That's how we do it. If your credit needs a fixin', call The Credit Vixen. www.TheCreditVixen.com

10/31/2026

Errors on your credit report could be holding you back — and you might not even know it. Hi, I'm Mia, The Credit Vixen. Book your free consultation at TheCreditVixen.com. If your credit needs a fixin', call the Vixen.

10/31/2026

🎃🦊 Happy Halloween from The Credit Vixen! 🐾👻

Vixen and Rin are all dressed up and ready for a little Halloween mischief! 🧙‍♀️✨

Whether you're trick-or-treating, handing out candy, or enjoying a spooky night at home, we hope your Halloween is filled with laughter, sweet treats, and unforgettable memories!

And remember… the only thing that should be scary tonight is your costume, NOT your credit score! 💀😂

Stay safe, have fun, and don't let those credit monsters haunt you! 💗

🦊 The Credit Vixen®
“If your credit needs a fixin’, call The Credit Vixen!”

10/30/2026

Walking into a lender conversation? Bring these five questions.

Preparation doesn't guarantee approval, but it makes the conversation far more productive. Bring your questions, your documents, and a realistic timeline — and you'll get clearer answers.

Tag a local professional who explains the process clearly.

10/28/2026

Three myths that cost people real time.

Carrying a balance isn't required. Closing a card isn't always a boost. And no company can promise a fast, exact point increase — results and timelines vary by individual file.

Which myth have you heard most often?

10/27/2026

Myth: once an account is charged off, it can't show a balance or a past due amount.

Fact: it depends on who owns the debt. If the original creditor still owns the account, they can report the balance and the past due amount. If they sold the debt, they must report a zero balance and zero past due, and the company that bought it reports the balance instead.

Why this matters: if a creditor sold your account but still shows a balance on your report, that is a reporting error, and errors are worth disputing. Reading your reports closely is how they get found.

Want a second set of eyes on yours? Book your free consultation at www.TheCreditVixen.com

If your credit needs a fixin', call The Credit Vixen.

10/26/2026

A collection entry isn't just a balance — it's four details that need checking: the collector's name, the original creditor, the dates, and the balance and ownership.

Names, dates, balances, and ownership information all matter, and keeping your own records puts you in a stronger position. Verifying doesn't guarantee removal — accurate, current information generally stays — but acting on wrong details helps no one.

Save this before your next credit report review. Don't post personal account details in the comments.

10/25/2026

🚨 CREDIT REPAIR MYTH: Delete your old addresses and watch those negative accounts disappear!

You've probably seen this advice floating around social media. But does it actually work?

Here's what you need to know!

Yes, removing inaccurate personal information from your credit report is important. But deleting an old address does NOT automatically remove negative accounts associated with it.

Credit bureaus don't rely on addresses alone to verify accounts. They use multiple pieces of identifying information.

Here's where it DOES matter:

If your credit report contains addresses you've never lived at, unfamiliar names, or accounts that don't belong to you, those could be signs of mixed credit files, reporting errors, or identity theft.

That's when a proper investigation becomes important!

And remember, an account being verified doesn't automatically mean every detail is accurate.

💗 The Credit Vixen Tip: Don't dispute blindly. Know WHAT you're disputing, WHY it's inaccurate, and what documentation supports your claim.

Credit repair isn't about finding loopholes. It's about knowing your rights and holding credit bureaus and creditors accountable.

🦊 If your credit needs a fixin', call The Vixen!

www.TheCreditVixen.com

10/24/2026

Denied for a home, a car, or an apartment — and nobody told you why? Hi, I'm Mia, The Credit Vixen. Book your free consultation at TheCreditVixen.com. If your credit needs a fixin', call the Vixen.

10/23/2026

Thinking about getting help with your credit? Here's what to look for — and what to walk away from.

Real guidance means clear scope, honest expectations, and documented communication. Be cautious of anyone promising specific score increases, guaranteed deletions, or fast timelines. Results vary by individual file.

Comment CLARITY if you want more process-focused posts like this.

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San Antonio, TX

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http://www.thecreditvixen.com/

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