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[29 Aug 2020 | One Comment | 4,883 views]
How to Achieve a FICO Score of 785 or Higher

With the average FICO credit score estimated at 690 (the highest possible score is 850), chances are most Americans wouldn’t mind some advice on how to improve. Of all consumers, just 25 percent have managed to achieve a score of 785 or higher.

Credit Repair »

[23 Aug 2020 | One Comment | 3,173 views]
Filing Bankruptcy Requires a Credit Counseling Certificate

One of the pre-filing requirements involves obtaining a certificate of successful completion of credit counseling with a government approved counseling agency. The counseling can take place up to six months prior to filing. If time is of the essence in filing for bankruptcy protection and you have not completed the counseling sessions, this can cause delays and problems so don’t wait until the last minute.