Real estate blog entries tagged with credit restoration

Blog entries tagged with "credit restoration":

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credit restoration: Ethical Credit Repair - attorney assisted challenges to derogatory references - 07/22/08 03:38 AM

When does credit repair cross the ethical line and become falsification of a credit report?
More and more applicants seem not to qualify because of credit issues. They come fully aware of their credit situation and even know their credit score. In the past many would have qualified for a subprime … (72 comments)

credit restoration: Mistakes On Your Credit Report - 79% Of The Time! - 07/17/08 12:55 PM

According to "Mistakes Do Happen: A Look at Errors in Consumer Credit Reports " a recent report by public issues watchdog U.S.Public Interest Research Group (USPRIG.) There is a one in four chance your credit report contains an error serious enough to cause you to be denied credit. 79 percent of … (4 comments)

credit restoration: Keeping Bad Credit Costs More Than Repairing It - 07/17/08 12:15 PM

Have you ever stopped to think what having BAD CREDIT is costing you? How much have you paid in additional interest and fees due to your poor credit rating? One estimate is that a poor credit rating costs the average consumer $3000 per year or $50,000 in a lifetime due to … (0 comments)

credit restoration: 10 Myths Of Credit Repair - 07/17/08 12:07 PM

Myth # 1 - When I pay off a past-due account, such as a charge off or a collection account, it will show “paid” and no longer be negative.
It is difficult to fully restore your credit without paying your outstanding debts. However, paying off a debt can actually hurt your … (3 comments)

credit restoration: Repair Your Credit Before Applying For A Mortgage - 07/17/08 12:04 PM

Fooled into satisfaction by the fact that they can make a larger down payment on a new home with funds received from the sale of their “old”, some sellers fail to address negatives on their credit reports and thereby suffer such consequences as higher interest rates and additional costs associated with … (1 comments)

credit restoration: Credit Scores - The Basics - 07/17/08 11:42 AM

Good credit is important in America today because so many of the things that we want
to buy must be financed or purchased on credit.
And once you have had a bad credit rating it is almost impossible to avoid detection.
A network of credit reporting agencies keeps track of … (1 comments)

credit restoration: Can You Trust Credit Restoration Companies? - 07/17/08 09:50 AM

I am often asked, "Can you trust credit restoration companies?" Is there anyone out there who does what they advertise? I must admit that many of these companies are not trust worthy.
Beware of companies who make promises of guaranteed credit repair. The client is part of the … (0 comments)

credit restoration: What is a credit score? - 07/17/08 12:31 AM

… (0 comments)

credit restoration: How Does Credit Card Debt Effect Our Scores? - 07/16/08 10:11 AM

I am often asked about how credit card debt effects credit scores. You would be surprised how paying down your credit card debt can raise scores significantly. If we allow our balance to get to 50% of our credit limit, it effects our scores negatively even though we are paying them … (5 comments)

credit restoration: The Case For Debt Settlement - 07/15/08 07:36 PM

With the proliferation of the growth of unsecured debt problems has come a great increaseof debt settlement companies. Much has been written on this topic, just as much has been written about Debt Management Programs, also known as credit counseling. Frankly, some of what has been written has been done … (2 comments)

credit restoration: Bad Credit Repair by the Credit Repair Experts of Credit Restoration Consultants - 07/15/08 06:44 PM

Have bad credit? Need credit repair? Care to repair your own credit or even hire a credit service organization? Before you do so, you should tune into the Credit Restoration Consultants Hour with credit repair expert Bill Lewis. Bill can be heard weekday's on the 9's - both 9:00 a.m. and … (0 comments)

credit restoration: Is Credit Repair Really Legitimate? - 07/15/08 10:08 AM

Is credit repair really legitimate? Can credit scores really be improved dramatically in a few months time? There is so much scam out there it is hard to know who you can trust and if it will really produce the results you are looking for.
I know, I have had … (4 comments)

credit restoration: Anyone Can Turn Bad Credit Around - 07/14/08 04:19 PM

If we understand credit it is our friend. If we don't understand credit it can be our enemy. Many people do not understand the basics of good credit nor do they know how to turn around their bad credit situation. There are certain fundamentals, if applied properly, that will turn any credit situation … (6 comments)

credit restoration: DEBT LEADS- yes they are REAL TIME. 400+ leads a week - 07/14/08 12:21 AM

if you can not close deals with these leads, GET ANOTHER JOB
2 SPOTS LEFT....Do not miss out!!!!!!!!!
example:

… (2 comments)

credit restoration: New Housing Dynamic - Pt 2 - 07/11/08 11:49 AM

New Housing Dynamic - Pt 2
The first person I would like to address in what I called in my last blog the "New Housing Dynamic", is the home buyer. Without the buyer we have nothing. You can have all of the sellers you want, a million real estate agents, a … (1 comments)

credit restoration: Foreclosure Options: Short Sale, Mortgage Modification, or Just Walk Away - 07/10/08 07:37 PM

The adjustable rate mortgage sure sounded good a few years back; you got 100% financing at a very low interest rate; fixed for 3 years before it resets or adjusts according to the market. You probably had a plan to sell the home soon or refinance before the rates went up. … (1 comments)

credit restoration: Verifying Your Down Payment, Closing Costs, Assets, Income and Debts - 07/10/08 02:14 PM

A critical step in the mortgage loan application process is to verify the sources for your down payment, closing costs and assets, as well as documenting income and debts. The lender uses this step to determine your qualifications as a borrower.
Down Payment & Closing Costs
Documenting that the down payment … (0 comments)

credit restoration: How much can you afford? - 07/10/08 01:57 PM

Deciding how much house you can afford is a personal decision.Many factors come into play.How much can I borrow? How much can I put toward my down payment? What size monthly payment can I afford?

There are no black and white answers to these questions. Its a … (0 comments)

credit restoration: Credit Repair Companies - Pros? Cons? Thoughts? - 07/10/08 02:45 AM

By JC Kadii, MortgageVirtualAssistant.comSM
In this tightening market, a borrower's credit profile is more important than ever. I find, however, that many of my clients are reluctant to work with credit repair or restoration companies.
So, I am requesting feedback from mortgage and real estate professionals (not credit … (6 comments)

credit restoration: Scoring your Credit - How's your FICO? - 07/08/08 08:58 PM

In today's increasingly automated society, it should come as no surprise that when you apply for a mortgage, your ability to pay can be reduced to a single number. All the years you've been paying your mortgage, car payments, and credit card bills can be analyzed, sliced, diced, spindled and mutilated … (0 comments)

credit restoration: Subprime Mortgage Meltdown Leaves Borrowers Facing Crisis - 07/07/08 11:04 PM

Subprime Mortgage Meltdown Leaves Borrowers Facing Crisis
With credit requirements tightening, borrowers have fewer choices in mortgage loans
Sacramento, CA, July 7, 2008-As record numbers of foreclosures pervade the subprime market, lenders are becoming more and more anxious, and as a result, they're tightening their mortgage loan guidelines. These more … (1 comments)

credit restoration: Making money is right under your nose...Who wants it? - 07/06/08 08:37 PM

Who said the economy is bad? Who said the market is slow? Alike attracts alike!
Become a referral partner for "FREE" and start making money by:
Helping one of your "low fico" customer's increase their fico score Monitor their progress And receive $50.00 per customer. OR
Become an Affiliate for $295.00 … (7 comments)

credit restoration: Credit Restoration, Own Your Own Agency Today!!! - 07/05/08 04:42 PM

Credit Restoration, Information
ARE YOU A REALTOR OR MORTGAGE BROKER ?? WITH CLIENTS THAT CANNOT CLOSE DUE TO CREDIT SCORE??
Due to the credit crisis
Lenders have strict credit score guidelines. Don't lose your commission, take control of the situation.
Today!...Don't wait another day!!!!..
I HAVE THE SOLUTION FOR YOU TODAY!!!!
… (0 comments)

credit restoration: Life after Foreclosure: Michigan Foreclosure Recovery and Rebuilding Credit - 07/04/08 12:50 PM

Life after foreclosure is a difficult time; you have just lost your home. Perhaps you're living with family or renting an apartment. You may have lost a lot of your belongings for lack of storage space or inability to move them. Living conditions vary for those who recently went through foreclosure. … (0 comments)

credit restoration: Michigan Homeowners in Foreclosure are using a Unique Program Developed by David Smith to help Walk Away and Recover from Foreclosure - 07/04/08 12:48 PM

Your biggest enemy is time and every day that passes will reduce your options and cost you far more money in the long run than the investment you make in this unique program

Southfield, MI--David Smith has developed a unique program for helping people who are facing foreclosure. Many … (0 comments)

credit restoration: U-Move-On Website Explains Foreclosure Options in Michigan – Avoid Foreclosure or Walk Away to Cut Losses – Free eReport - 07/04/08 12:46 PM

David Smith of U-Move-On helps people explore options before making the decision to just walk away

Detroit, MI - Hundreds of thousands of people are facing the devastation of losing their homes to foreclosure. Many are feeling helpless, scared and overwhelmed; they just don't know where to turn. U-Move-On, … (0 comments)

credit restoration: Learn 8 Secrets to Stop Foreclosure in Michigan—or Should You Just Walk Away from your Mortgage? - 07/04/08 12:43 PM

Free Report explains all the options one should consider before making the decision to walk away

Plymouth, MI--U-Move-On was founded by David Smith who has over 30 years of total experience in foreclosures, mortgages, real estate, bankruptcy, consumer finance, and customer service. At a recent interview David discussed … (0 comments)

credit restoration: Credit Scoring - 07/03/08 11:04 AM

As some of you know besides being a full time real estate agent I also represent a national membership organization that assists consumers with credit improvement and restoration. In doing some research on how credit scores are calculated I found and interesting article from the Electronic Privacy information Center on the … (1 comments)

credit restoration: Five ways to make the loan process go faster - 07/02/08 10:35 PM

We should say that "working with us" is the first way! When you let us help you find the loan that's right for you, you truly are taking advantage of some of the area's best technology and expertise to get you a loan decision and funding on your loan quickly. … (0 comments)

credit restoration: Is Credit Repair Worth it? - 07/02/08 05:55 PM

One of the most frequesnt questions that I get when someone is denied a loan or market conditions result in a decline at the last minute is Credit Repair Worth it?
The answer is Yes and No. You make note if the credit repair company operating in your best interest or … (0 comments)

credit restoration: July Special - Credit Restoration for only $399! - 07/01/08 09:08 AM

You read it right. There's no typo here. Credit Restoration for as low as $399! One of the things about The Credit Repair Guys is that this company is about making some positive changes in the lives of people with out having them break the bank. Normally, we charge $599 a … (0 comments)

credit restoration: Texas Veterans have Special Programs Too - 07/01/08 12:13 AM

Did you know that as a US Armed Forces Vet that you have additonal benefits by living in Texas? Make sure you check out the Texas Veterans Land Board http://www.glo.state.tx.us/vlb/ . These benefits are in addition to your VA loan benefits. As we come up on independence day it is important … (0 comments)

credit restoration: FHA Allows Rapid Rescoring to Improve Low FICO Score - 06/26/08 06:03 PM

Credit restoration works to remove the entire negative history of the account, but can be both costly and time-consuming, not to mention that there are no guarantees. Rapid rescoring does not delete legitimate negative information from a borrower's credit report.
Unlike credit restoration, which is not guaranteed and can take several … (4 comments)

credit restoration: Micro-Mini Version of the Credit Restoration Consultants Hour - 06/18/08 07:05 AM

Have bad credit? Need credit repair? Care to repair your own credit or even hire a credit service organization? Before you do so, you should tune into the micro-mini version of the Credit Restoration Consultants Hour with credit repair expert Bill Lewis. Are you unable to tune into Bill's regular show … (0 comments)

credit restoration: Good Credit (and a good Broker) is like Money in the Bank - 06/16/08 06:48 PM

There is a saying "Good Credit is like Money in the bank" and today that is the operative phrase today. With the Fed poised to raise rates, lenders tightening their requirements and risk pricing adjustments being added at every turn it is becoming every borrower's responsibility to not only know their … (0 comments)

credit restoration: Head & Shoulders Above The Rest - 06/12/08 03:53 PM

Hi folks,
I hope these sweltering Summer days have heated up your business and, if not, you at least have a chance to relax poolside with a nice cool drink in your hand.
With this as the peak season in real estate, we are sure you will run … (0 comments)

credit restoration: How to Beat the Debt Collector with Sample Cease and Desist Letter - 06/09/08 01:21 PM

Debt collectors are highly motivated to convince debtors to pay the debt because they frequently work on a low base pay plus commission. This business model has created the reputation for bill collection agencies that we know today.The collector might engage in threatening behavior and harassment. However, like any other business … (2 comments)

credit restoration: Sales Representatives Sought by Credit Restoration Consultants - South Florida - 06/07/08 07:14 AM

Credit Restoration Consultants, a Sunrise, Florida, based credit service organization specializing in the restoration of consumer credit worthiness and identity theft - seeks a commissioned based Sales Representative. Detail-oriented person with initiative wanted. Strong data entry skills required along with knowledge of Microsoft Office. Qualified candidate will be efficient, organized, and have … (2 comments)

credit restoration: Credit Restoration Consultants Hour with Credit Repair Expert Bill Lewis - 06/07/08 07:08 AM

credit restoration: Questions and Answers on Credit Repair and Credit Restoration. - 06/05/08 02:53 PM

My primary purpose for this post is to get an idea of the views on credit repair and preconceptions of credit repair as it relates to the mortgage industry. Although the majority of Credit Restoration Consultants referral sources stem from the mortgage industry, there are many loan consultants who have questions as to … (0 comments)

credit restoration: Mortgage Brokers Surviving The "Credit Crunch" - 06/05/08 10:28 AM

Simple fact, those that are turning away clients due to bad credit are not utilizing every tool available to close loans. Credit Restoration Consultants is one of those tools. What's in it for you? More closed loans, More repeat business, More referrals from your clients.
Those of you have used or referred our services … (3 comments)

credit restoration: Loan Modification Leads for only $10! Do they really work? - 06/03/08 10:08 AM

"I have tripled, quadroopaled, my business using your internet leads. I have tried other companies that were charging $45 a lead a lead with no where near the closing ratio. I am a buyer for life" Ken in Michigan
"I got 45 calls today (not me alone but my company) and … (0 comments)

credit restoration: Getting the loan you want in this tough Market - 06/02/08 11:34 PM

Getting that conventional Loan that you want for your new home just got Tougher in today's Market. Today FNMA (Fannie Mae) rolled out version 7 of the their Automated Underwriting System (AUS). Although not a surprise the biggest change is that if you've had a foreclosure in the past five.... YES … (0 comments)

credit restoration: April Sales Results - 05/30/08 10:53 AM

How were the April, 2008 sales results for single family residence (SFR) unit sales as compared to April, 2007? Down again but not as bad. Let's take a look.In MLS area 15 (Woodlands & West) sales were down 17%. In MLS area 19 (Conroe) they were down 9.68%. MLS area 39 … (0 comments)

credit restoration: Why We Are Different! - 05/27/08 11:47 PM

Credit Repair and First Financial Freedom Foundation (4Freedom)
What are the advantages of using our Attorneys? While there are many companies who brand themselves as credit repair organizations, most of them lack the legal clout and experience necessary to adequately represent your dispute efforts. Some of the specific advantages of using … (1 comments)

credit restoration: Live call transfers for only $20? are they for real? - 05/22/08 02:48 PM

Yes they are..... We have a dialer calling on 30-60-90 day late customers nationwide... The customer has either a choice to press 1 to talk to a live agent (which will be directed to you) or press 2 to be removed from the list....
how do you go wrong? You don't!
… (1 comments)

credit restoration: Home Buying and Credit Scores - 05/19/08 10:26 AM

I didn't realize that you had money to throw away during these almost $4.00 per gallon gasoline days. But from what most of you are telling me you do. Congratulations you are richer than I am.What am I talking about? I am talking about your desire to buy a home in … (0 comments)

credit restoration: Credit Education: Is your credit report WRONG? - 05/19/08 10:00 AM

Back in June of 2004, the US Public Interest Research Group conducted a survey in regards to the accuracy of the information contained in their credit reports. They asked adults in 30 states to order their credit reports and complete a survey. Here's what they concluded:
Almost 8% were missing major … (6 comments)

credit restoration: Home Buyers and the FHA - 05/15/08 12:20 PM

Many years ago we used to think that anyone who bought a house using an FHA loan was a bad credit risk or a first time home buyer with limited resources. Although that really was not true that was the prevalent thinking at the time. Today FHA loans may be the … (2 comments)

credit restoration: Montgomery County - total market - 05/14/08 02:33 PM

Prior to the release of the April sales numbers I thought it might be interesting to take a look at more of the numbers and see if people are still moving and to try and see if the market really has dropped or because of the credit crunch has the market … (0 comments)

credit restoration: Unsecured Business Lines of Credit for Small Business Owners - 05/11/08 05:53 PM

An Unsecured Business Line of Credit is probably the most valuable Financial Tool a Small Business Owner can have. Our Unsecured Business Line of Credit works like a Huge Credit Card, but it has the added benefit of Check-Writing Access and lower interest rates than most Business Credit Cards.
… (0 comments)

credit restoration: Invoice Factoring Why do When you have Business Line of Credit? - 05/11/08 03:56 PM

Dig deeper and you'll discover, Invoice Factoring is an expensive way to finance your Business. And it's easy to see why when you consider you'll pay an arm-wrenching 60% to 120% yearly APR and become a virtual slave to the Invoice Factoring Company. Put it another way, invoice factoring is … (0 comments)

credit restoration: Establish an Emergency Fund for Your Small Business - 05/11/08 03:51 PM

We all know that life if full of Surprises. You thought you were going to get that big sale but it just didn't happen, or you had a family emergency that took your time and money away from your business and left it hanging on a Shoe String. It … (0 comments)

credit restoration: Credit Bureaus Want CROA Exemption…..VOTE NO - 05/09/08 01:58 PM

Monsters come out at night from under the bed. But one of the most dangerous times for consumers is actually all day long, 24/7, in the last few weeks of any two-year Congressional session. That is monster time. That is right now. That is when the special interest lobbyists come out … (0 comments)

credit restoration: Are you a veteran or a reservist? - 05/07/08 01:13 PM

Are you a veteran or serving member of the armed forces of the United States? Were you or are you currently a member of a reserve unit or National Guard unit?Why do I ask the questions? Because most of you are missing out on some great opportunities that are available to … (0 comments)

credit restoration: How Long do Items Remain on Your Credit Report? - 05/05/08 04:44 PM

Credit Accounts:
Accounts paid as agreed remain for up to 10 years.
Accounts not paid as agreed remain for 7 years.
Collection Accounts:
Remain for 7 years.
The time periods listed above are measured from the date in your credit file shown in the "date of last activity" field accompanying the particular credit or collection account.
Courthouse … (2 comments)

credit restoration: How Long do Items Remain on Your Credit Report? - 05/05/08 04:43 PM

credit restoration: Credit Repair: One Reason You Should Never Dispute on-Line - 05/04/08 05:45 PM

One Reason You Should Never Dispute on line
When the Fair Credit Reporting Act was amended, they put in a section for "Expedited Dispute Resolution" Section 611a(8) the on-line dispute system. It reads as follows....
".... the agency shall not be required to comply with paragraphs 2, 6, and 7 with respect to … (1 comments)

credit restoration: Is Credit Repair Legal - 05/04/08 05:35 PM

Is Credit Repair Legal?
Absolutely! If Credit Repair was illegal, attorneys would not offer this service. Congress has provided consumers with the right to challenge information that's deemed to be inaccurate or unverifiable or obsolete. Therefore, the disputed item must be corrected or removed if it is not properly validated (whether it … (1 comments)

credit restoration: How do Inquiries Affect Credit Scores? - 05/02/08 03:53 PM

FICO scores only consider inquiries iniated by you (when you were seeking credit) over the most recent 12-month period. FICO scores only consider inquiries from the last 12 months, although inquiries remain on your credit report for two years.
Federal law requires that all inquiries be kept on file for a period … (0 comments)

credit restoration: How do Inquiries Affect Credit Scores? - 05/02/08 03:52 PM

credit restoration: Credit restoration and Repair - What is up with all of these companies? - 04/29/08 11:33 AM

Credit Restoration and/or Repair What is up with these credit repair services anyways? I have been wondering this for about 1 year now. I see the ads, both on tv and in print ads, everywhere! What is it that they are doing? Honestly, it is what you or I can do … (0 comments)

credit restoration: Is Credit Repair Legal - 04/28/08 05:48 PM

What Does Congress Have to Say? Consumers have a vital interest in establishing and maintaining their creditworthiness and credit standing in order to obtain and use credit. As a result, consumers who have experienced credit problems may seek assistance from credit repair organizations, which offer to improve the standing of such consumers. … (0 comments)

credit restoration: BNI: My First Referral That Became A Client - 04/24/08 06:33 AM

Well, a seed I have sown has finally shown some financial life.
BNI (Business Network International) is a referral based network organization. There are a couple of blogs about it in the Rain if you would like more information or Google it. Great concept.
I joined in February and have received a few … (22 comments)

credit restoration: Buckle Your Seat Belts: Advertising and Credit - 04/21/08 11:18 PM

Just a little observation.
Most car insurance commercials talk about their rates and how a good driving record is rewarded. I must admit, I don't really hear them anymore. Except the Allstate guy. What a voice. But I heard something today that caught my attention.
We don't check your credit.
It is well known … (15 comments)

credit restoration: Credit Tip of The Day!!!! - 04/14/08 02:52 PM

1. Payment history - what is your track record? 35 % of the score
2. Amounts owed - how much is too much? 30% of the score
3. Length of credit history - how established is yours? 15% of the score
4. New credit - are you taking on more debt? 10% of … (1 comments)

credit restoration: Credit Repair that gets results. - 04/12/08 03:57 AM

We have posted some of our clients results online Effective Credit Repair.

… (2 comments)

credit restoration: Job Hunters Should Know Their Score......Why Bad Credit Could Cost You Your Next Job. - 04/09/08 12:33 PM

If you are in the job market, your resume and experience may not be enough. More and more companies are looking at your credit score before hiring.
In the past, banks and financial service companies routinely ran credit checks as part of the screening process. Top sales executives and those … (6 comments)

credit restoration: 3 Reasons You Should Never Dispute Online - 04/08/08 04:38 PM

Historically, the function of Credit Bureaus first began as collection agencies and they only gathered negative information. Then, Fair Isaac & Company developed the FICO scoring system to improve the credit reporting system. Today, the credit rating-system uses both positive and negative information of consumers’ payment histories to provide a risk-grade … (2 comments)

credit restoration: Credit Restoration - 04/07/08 05:17 AM

It seems like more and more credit restoration services are popping up by the minute. You can spot the advertisements for them online, on television and on the radio almost everyday. While I believe the awareness of credit repair and the help available to consumers is a good thing, it can … (4 comments)

credit restoration: Have you heard about this? - 04/02/08 12:44 PM

Are all of you Realtors & Mortgage Brokers aware that there is a reputable credit repair company that you can refer your clients to that will enable them to plug into a system so that they can empower themselves and restore their own credit?
I have seen scores raised 50-200 points. … (4 comments)

credit restoration: How Long do Items Remain on Your Credit Report? - 03/28/08 10:55 AM

credit restoration: Free Credit Counseling - 03/27/08 01:48 PM

OK, so I am writing to point you to another blog, as this is my first entry on this blog. The other blog is my Free credit counseling blog at:http://freecreditcounselingblog.typepad.com/creditcounseling/, I am not a realtor but rather an excellent source of support to realtors and mortgage brokers and other professionals. … (1 comments)

credit restoration: Credit reporting isnt always so accurate... - 03/25/08 04:15 PM

The Public Interest Research Group has found a troubling amount of innaccurate credit reporting within the three major agencies. An alarming number of credit reports contain serious errors that could cause the denial of credit, a loan, or even a job. Further, some consumers never even received their reports, even after repeated calls. Among … (0 comments)

credit restoration: How do Inquiries Affect Credit Scores? - 03/25/08 11:17 AM

credit restoration: Raise Your Credit Score By Up To 30 Points In 30 Days At No Cost!!! - 03/24/08 02:44 AM

If You Are Trying to Get Approved For a Home or Car & Your Credit is Not Up To Par, listen to this............

!!!!FOR INSIDER TIPS IN REAL ESTATE VIEW MY BLOGS & LISTINGS ON ACTIVE RAIN!!!!www.activerain.com/crownkid7
The credit industry is one that does not have a lot of regulations. About 97% of … (0 comments)

credit restoration: Do's & Dont's to Raising Your FICO Score - 03/20/08 11:31 AM

Pay your bills on time. Delinquent payments and collections can have a major negative impact on your BEACON®, FICO® and EMPIRICA® score. · If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your BEACON®, FICO® and EMPIRICA® score.
· If you are having … (2 comments)

credit restoration: Credit Reporting Accuracy isnt always so accurate... - 03/19/08 05:55 PM

credit restoration: How Do Late Pays Affect Your FICO Score? - 03/19/08 11:11 AM

FICO scores evaluate late payment information in a variety of ways - in terms of the frequency of missed payments, the recency of the missed payments, and the level of delinquency (how late the payment is). In this simulation, the impact on the score due to missing a payment will depend on … (0 comments)

credit restoration: How Do Late Pays Affect Your FICO Score? - 03/19/08 11:10 AM

credit restoration: Raise Your Credit Score By Up to 30 Points in 30 Days!!! - 03/17/08 03:00 PM

If You Are Trying to Get Approved For a Home or Car & Your Credit is Not Up To Par, listen to this............
!!!!FOR INSIDER TIPS IN REAL ESTATE VIEW MY BLOGS & LISTINGS ON ACTIVE RAIN!!!!www.activerain.com/crownkid7
The credit industry is one that does not have a lot of regulations. About 97% of credit reports have … (1 comments)

credit restoration: "Don'ts" To Raise Your FICO Score - 03/14/08 03:52 PM

DON'T:
·         Don't close unused credit cards as a short-term strategy to raise your BEACON®, FICO® and EMPIRICA® score.
·         Don't open a number of new credit cards that you don't need, just to increase your available credit. This approach could backfire and actually lower your BEACON®, FICO® and EMPIRICA® score.
·         If you have been … (1 comments)

credit restoration: "Do's" to raise your FICO Score! - 03/14/08 03:51 PM

credit restoration: "Don'ts" To Raise Your FICO Score - 03/14/08 03:49 PM

·         Don't close unused credit cards as a short-term strategy to raise your BEACON®, FICO® and EMPIRICA® score.
·         Don't open a number of new credit cards that you don't need, just to increase your available credit. This approach could backfire and actually lower your BEACON®, FICO® and EMPIRICA® score.
·         If you have been … (1 comments)

credit restoration: "Do's" to raise your FICO Score! - 03/14/08 03:48 PM

credit restoration: Ain't It Funny? - 03/13/08 03:38 PM

OK, I know I shouldn't use "ain't", because ain't ain't a word. My 8th grade English teacher would be so disappointed in me. She thought she broke me of that habit when she hit me in the head with the eraser.
First, I need to thank everyone who commented to my last … (0 comments)

credit restoration: High Credit Card Balances and FICO Scores - 03/13/08 01:53 PM

Carrying extremely high balances on all revolving accounts can make one look "maxed out" on available credit. It is often considered a high-risk trait by lenders and the FICO score. Tthe impact on the FICO score depends on how high the current balances are on revolving accounts. If high balances are carried, … (0 comments)

credit restoration: High Credit Card Balances and FICO Scores - 03/13/08 01:52 PM

Carrying extremely high balances on all revolving accounts can make one look "maxed out" on available credit. It is often considered a high-risk trait by lenders and the FICO score. The impact on the FICO score depends on how high the current balances are on revolving accounts. If high balances are … (3 comments)

credit restoration: How Bad do Late Pays Affect Your FICO Score? - 03/13/08 10:11 AM

FICO scores evaluate late payment information in a variety of ways - in terms of the frequency of missed payments, the recency of the missed payments, and the level of delinquency (how late the payment is). The impact on the score due to missing a payment will depend on the current … (2 comments)

credit restoration: How Bad do Late Pays Affect Your FICO Score? - 03/13/08 10:10 AM

FICO scores evaluate late payment information in a variety of ways - in terms of the frequency of missed payments, the recency of the missed payments, and the level of delinquency (how late the payment is). The impact on the score due to missing a payment will depend on the current … (1 comments)

credit restoration: How to get 3 or more deals a month. - 03/12/08 05:27 PM

My name is Nikki Harris and I work for RMCN Credit Services. We work on getting your clients credit score to a place where they can qualify for the loan they need. I was a mortgage loan officer in Dallas and referred many of my clients here before I ever came … (0 comments)

credit restoration: Late Pays, How they Affect Your Credit Score - 03/12/08 11:14 AM

FICO scores evaluate late payment information in a variety of ways - in terms of the frequency of missed payments, the recency of the missed payments, and the level of delinquency (how late the payment is). The impact on the score due to missing a payment will depend on the current … (1 comments)

credit restoration: Late Pays, How they Affect Your Credit Score - 03/12/08 11:12 AM

FICO scores evaluate late payment information in a variety of ways - in terms of the frequency of missed payments, the recency of the missed payments, and the level of delinquency (how late the payment is). The impact on the score due to missing a payment will depend on the current … (0 comments)

credit restoration: How Revolving Accounts Affect the FICO Score - 03/12/08 09:26 AM

How revolving accounts (credit cards, department store credit cards, revolving lines of credit) are managed is heavily weighted in the FICO score. FICO scores evaluate revolving accounts in a variety of ways, including comparing balances to available credit, as well as looking at the number of accounts with a balance. A … (0 comments)

credit restoration: How Revolving Accounts Affect the FICO Score - 03/12/08 09:26 AM

credit restoration: FICO Scores, The 5 Most Important Factoring Reasons - 03/10/08 03:28 PM

What Affects Your FICO Credit Score and What You Can Do About It Your FICO credit score is a measure of your credit rating - calculated from data contained in your credit report. Most lenders base their credit decisions (at least in part) on this score. Generally, the higher your score, … (0 comments)

credit restoration: FICO Scores, The 5 Most Important Factoring Reasons - 03/10/08 11:58 AM

credit restoration: 7 Things You Can Do to Protect Your Identity - 03/04/08 09:53 AM

By managing your personal information carefully and sensibly, you can help guard against identity theft. Here are some simple precautions that can help keep your information safe:
1. Disclose your Social Security number (SSN) only when it is absolutely necessary. Don't have your Social Security number printed on your checks and … (9 comments)

credit restoration: FICO Scores, The 5 Most Important Factoring Reasons - 03/03/08 10:57 AM

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