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Articles tagged with: Federal Trade Commission

Fico Scores »

[12 Nov 2019 | 5 Comments | 11,694 views]
FICO Score Being Replaced by CoreScore Credit Score With new Credit File

Anyone who has recently applied for a mortgage knows that lenders are already looking much more closely at your financial affairs. But soon, they’ll be able to easily delve into the deepest recesses of your financial life, accessing information that never before appeared on your credit report.

Rebuilding Credit »

[22 Sep 2019 | One Comment | 5,497 views]
Divorced With Joint Credit Accounts can Lower Your FICO Score

No consumer is prevented from acquiring credit solely based on marital status. The Equal Opportunity Credit Act outlaws discrimination of all forms to provide consumers with equal access to credit resources. If you recently experienced a divorce, however, your credit score may be negatively impacted after you separate from your spouse.

Headline »

[21 Sep 2019 | One Comment | 4,531 views]
Improve Your FICO Score With These Tips

It’s important to note that repairing bad credit takes time and there is no quick way to fix a credit score. In fact, out of all of the ways to improve a credit score, quick-fix efforts are the most likely to backfire, so beware of any advice that claims to improve your credit score fast.

Credit Repair Letters »

[11 Sep 2019 | One Comment | 4,082 views]
Sample Credit Letter for no Response to Follow-Up of a Dispute Letter

If it has been thirty days since you disputed a debt and you still have not received a response from the creditor and/or the credit bureau, then you should follow-up with the credit bureau as soon as possible. It is common for credit bureaus to become overwhelmed with disputes, and sometimes dispute letters get overlooked.

Credit Repair »

[21 Aug 2019 | No Comment | 2,601 views]
Does Your Credit Score Need a Tweak? Here’s How!

A credit score is either a blessing or a curse cast down upon you from the digital cloud. A score of 740 qualifies you for the best interest rate on a conventional mortgage. A score under 640 means ugly interest, and a number under 620 makes it very hard to get a mortgage at all.