FHA Credit Repair, How to get a 640 credit score “The Reality” - 10/22/11 05:53 PM
Courtesy of Grand Rapids Credit Repair Experts, Cambridge Credit Consultants We are a country in debt.  Not only is our government falling deeper into debt and exceeding their spending limit, but we, as Americans, are in debt ourselves, and the problem is not getting better.    Most Americans are spending over 90% of their income on repaying debt and carrying nearly $10,000 in credit card debt.
With our housing, car, food, clothing and other day to day expenses it can me hard to make ends meet.  Throw some credit card debt into the mix and some unexpected medical bills and this will … (6 comments)

Can you remove late payments from your credit? YES you can! - 10/19/11 04:40 PM
It is possible to remove late payments from your credit report, one process is called re-aging.  The re-aging process can remove late payments from your credit report which will help raise your credit score.     Yes, you can erase bad debt. So what is re-aging? Most people, even a self-proclaimed “Credit Expert”, is unaware of the positive aspects of re-aging an account.  You will find hundreds of articles on negative re-aging.  The FCRA is clear that a charge-off can only be reported in a credit history for 7 ½ years from the date of the first delinquency.  As accounts are transferred from … (3 comments)

Free Do-It Yourself Credit Repair Kit - 10/17/11 02:09 PM
Looking to get approved for a FHA loan?  Need to get your credit score over 620 or 640?  We can help. 
Cambridge Credit Consultants specializes in Credit Coaching, Credit Education and Credit Repair.  We are a Grand Rapids Credit Repair Company that offers Credit Repair Nationwide.  We assist consumers just like you in raising your credit scores and helping you build a solid credit profile.  Regardless of your motivation to improve your credit score we can help. 
This is a FREE Do-It Yourself Credit Repair Guide.  This free information will help you fix your credit and raise your credit scores. 
·     … (0 comments)

Credit Tips for Improving Your Credit Score - 10/14/11 10:14 AM
 

Previously we described the composition of a credit score.  Now, we will share with you some helpful tips on how to maximize your credit score within each "score bucket".
Payment History Tips – 35% of your credit score
Pay your bills on time - Delinquent payments and collections can have a major negative impact on your score. If you have missed payments, get current and stay current - The longer you pay your bills on time, the better your score. Be aware that paying off a collection account will not remove it from your credit report - It will stay on your … (0 comments)

Do you know what your Credit Score is comprised of? - 10/12/11 08:32 PM
Do you know what your Credit Score is and what your Credit Score is comprised of?
 
FICO Scores are calculated from various credit data in your credit report. This data can be grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining your score.
 
Please understand that in some situations, people who have not been using credit long, the importance of these categories may be somewhat different.
 Payment History – 35%
Account payment information on specific types of accounts; credit cards, retail accounts, installment loans, finance company … (6 comments)

 
Martin Mills (Cambridge Credit Consultants )

Martin Mills

Grand Rapids, MI

More about me…

Cambridge Credit Consultants

Address: 3501 Lake Eastbrook Blvd Suite 135, Grand Rapids, MI, 49546

Office Phone: (616) 949-2211

Cell Phone: (616) 443-5337

Email Me

The Truth on Credit Restoration, Credit Repair and How Long to Repair Credit Contrary to what the credit bureaus would like you to believe, credit repair does work and can work for 100% of people in most circumstances when accompanied with Credit Coaching and Credit Education. This is, of course, provided you are getting the best advice and have an experienced professional working on your case. How long to repair credit is really the question and that will depend on your situation. If you are looking for FHA credit or credit to obtain a FHA loan that will be different than someone who wants their score high enough to realize the benefits a 720 credit score can give you.


Links

Archives

RSS 2.0 Feed for this blog