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More Than Credit Repair. Click below to read interesting content we have curated, on topics relevant, not only for credit repair, but to the everyday individual.

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March 16th 2022

What is PayPal Credit?

One of the essential things you learn quickly over time is that your credit score plays a vital role in your creditworthiness. Your chances of applying for a loan, getting a new apartment, car, and even working for some

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March 9th 2022

HOW COSIGNING AFFECTS CREDIT SCORE

Typical scenario if a family/friend asks you for a loan; however, have you ever been asked to co-sign for a loan? It raises many questions that need to be resolved if you intend to follow through with it, or not.

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March 3rd 2022

DOES CREDIT OR INCOME MATTER MORE WHEN OBTAINING A MORTGAGE?

Your credit information and income play a huge role in being creditworthy and getting what you want. With an impressive credit score and an excellent income to boot, you can apply for a mortgage, get a car, open new credit card

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February 21st 2022

HOW TO SAVE UP FOR YOUR FIRST CAR

Your driver’s license gives you the privilege of driving out on the road. Whether that’s going to and from school or work or over to your friends for a movie night, a license gets you halfway there. You’ll need a car to literally take

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February 7th 2022

How Does LexisNexis Tie Into the Credit Repair Process

There are many things that credit repair companies claim to be able to help you with. How many  times have you come across an ad or website claiming that a company can help you with a million different things like collections, charge-offs, late-pays, judgments, tax liens, bankruptcy, foreclosures, student loans, and more?   

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January 11th 2022

Credit Limits Can Yours Be Reduced

Having your credit limit reduced is common and can even happen if you’ve been good with credit and made all your payments on time. When a creditor lowers your credit limit, it can negatively impact your credit score. However, you need to know that there are things you can do when this happens to minimize the damage to your credit and to fix the problem.

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December 28th 2021

HOW EVICTIONS AFFECT YOUR CREDIT

Establishing an excellent credit score seems to be a challenge these days. Maintaining a good credit score seems like an achievement with several economic changes coupled with governmental policies. If you're facing

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December 13th 2021

10 Life Hacks That Will Help You Save Money

Saving money isn’t as hard as you might think. These ten life hacks will make saving money just as easy as tying your shoes. Just making small lifestyle changes can snowball into saving hundreds, or even thousands of dollars each year. Wouldn’t you want that extra money in your bank account? Read on to learn about ten life hacks that’ll save some extra dough.

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November 19th 2021

HOW REPOSSESSIONS AFFECT YOUR CREDIT

Unlike many other forms of debt, defaulting on your auto loan often puts you at risk of repossession. When faced with repossession, many people start to panic. The idea of losing your vehicle and subsequently ruining

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November 15th 2021

What Do Landlords Look For in a Credit Score

Whether you’re applying for a loan or an apartment, at some point, the state of your credit will likely matter. Before entering into a monetary arrangement with a customer, a lot of businesses and business owners will check your credit.

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October 18th 2021

DOES DEBT CONSOLIDATION HURT YOUR CREDIT SCORE

Hard times do happen. With constant economic changes, we see people finding it difficult to pay bills, running into debts. And if you’re in debt, searching for a concrete solution to get out quicker lingers on your mind. In your search for a solution,

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October 9th 2021

WHO ARE THE THREE CREDIT BUREAUS?

Whether you're just learning the basics of cultivating your credit score or are a credit health expert, you've likely heard of the three credit bureaus: Equifax, Transunion, and Experian. If you're looking to improve your

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October 6th 2021

WHAT IS A 609 DISPUTE LETTER?

Most everyone who has ever had bad credit has sought for improvement tips to remedy their situation. Why? A poor credit report caused by erroneously input items poses a lot of damage and places you in a bad light. The current state of your credit history

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October 4th 2021

How to Raise Your Credit Score by 200 Points

Raising your credit score can sometimes be a long, slowly evolving process. But it doesn’t always have to be. With a little knowledge and focus you can pinpoint the areas of your credit that need the most work, and begin the process of boosting your credit.

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September 28th 2021

WHAT IS A HARD INQUIRY?

Most people aren’t keen on checking their credit reports. Oftentimes, the rationale behind this is somewhere between the lines of “I feel like checking it will impact my credit score.” However, when you check your credit report

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September 22nd 2021

Hard Inquiry vs Soft Inquiry What’s the Difference

There are many intricate details that make up your overall credit score. This includes the amount of new credit that you receive, the amount you currently owe, and your payment history. But, another factor that goes into your overall credit score is the number of times that it’s checked by specific institutions. Credit checks are put into two categories: hard inquiries and soft inquiries. It’s important to know how each type of inquiry affects your credit so you can have more control over your credit score as a whole.

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September 10th 2021

How Long Does It Take To Repair My Credit Score

According to Experian, it’s estimated that 30% of Americans have poor credit, bad credit, or no credit at all. When speaking of credit scores, most reporting agencies use a model that scales credit from 300 to 850, and the cutoff for what’s considered to be bad credit is anything below 499. 

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September 8th 2021

HOW MUCH DOES A CHARGE OFF AFFECT MY CREDIT SCORE?

Many people are using the recent economic events to try to get their credit score in better shape. This means pulling your credit reports, learning how to read them, then figuring out how to resolve problem accounts. But what if

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September 3rd 2021

DOES FILING BANKRUPTCY RUIN YOUR CREDIT

It is true, most of us have debt; some tend to accumulate a lot more debt than the average person. Often these same individuals may find themselves needing to file for bankruptcy to be able to get the head above water with their

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August 24th 2021

First Time Homebuyers in Dallas Average Credit Score Tips for Budgeting

Thinking about becoming a first-time homebuyer in Dallas? Congratulations! The decision to buy your first home is both exciting and overwhelming, especially when you start thinking about the financial impact it’s going to have on your life. 

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July 5th 2021

What Kind of Home Loan Can You Get With Your Credit Score

If you’re in the market for a home loan, you will want to take a look at your credit score first, before starting the homebuying process. Since the housing mortgage crisis of 2008, practices have become much stricter when determining who qualifies for a loan, the amount they are willing to loan, and at what percentage rate.

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June 24th 2021

The Future of Credit Cards Is Plastic Disappearing

Before plastic credit cards were invented, the concept of credit was around for centuries. With today’s modern society and technological advancements, credit cards have come a long way.

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May 14th 2021

What is a Good Credit Score

Knowing your credit score is a key step in determining where you sit financially when it comes time to apply for any type of credit. Having your own report on how lenders view your credit worthiness can help you take appropriate measures, if needed, to improve your credit. Improving your credit in key areas will make you the most attractive loan candidate you can possibly be.

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April 12th 2021

What is GC Services Debt Collection

GC Services is notoriously known throughout the debt-collection industry. They’re arguably one of the biggest collection agencies in the world. They’re often the mouthpiece or middleman for companies in many different industries such as retail, traffic, and automotive.

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March 15th 2021

Everything You Need to Know About National Credit Systems

Headquartered in Atlanta, Georgia, National Credit Systems is a third-party collection agency that operates independently. Initially founded in 1991, the agency specializes in recovering money for apartment owners and managers that is owed to them by consumers who have failed to fulfill their lease obligations. 

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March 8th 2021

How to Buy a House with Bad Credit is it Possible

It’s a new decade, and you have the gigantic goal to purchase your first home by the end of the year. But you worry about your credit score. What if you can’t get a reasonable interest rate for a home loan? Is it really possible to purchase a new home this year? 

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March 1st 2021

Build Your Credit Fast with These 6 Easy Steps

A good credit score depicts a person’s creditworthiness, and this will give you a chance for lower interest rates when you apply for a loan. If your credit score is not where you want it to be, there are many ways that you can do to improve your score.

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December 7th 2020

5 Ways Credit Impacts Your Wallet

It’s important to realize how important credit is before you can work on increasing your score as much as possible. To learn more about how credit impacts your wallet, read on.

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November 16th 2020

Does Unemployment Affect Your Credit Score

Losing a job is difficult in the best of times. When the economy is down, however, the impact of job loss is felt even more. When you pair this with the fact that finances will need to be adjusted and your credit score could be damaged if you can’t pay, job loss becomes downright terrifying. Let’s take a look at how unemployment can impact your credit score and what you can do about it.

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October 14th 2020

What is a Charge Off

Learning the lingo of the credit world is an important part of keeping yours intact. One of the terms that you should be aware of is “charge-off.” This may seem like a complicated term at first glance, but the true definition of it is quite simple.

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