So you need a car, but you have very bad credit. Do people with very bad credit have any options when it comes to getting a car loan? You bet they do! There are many different ways you can go about obtaining a car loan even if you do have very bad credit. One of […]
As a consumer in the United States, the Federal Government decided back in 2003 that you are entitled to receive a free annual credit report so you can monitor your credit and your credit rating. The FACT Act was passed unanimously so that all Americans could get a free annual credit report and be able […]
Credit repair is a service provided under CROA – which stands for theCredit Repair Organization Act. CROA allows credit repair service providers to assist consumers in the correction of items on their consumer credit reports that prove to be inaccurate, outdated, unverifiable. Any credit repair agency that claims to be able to remove ANY item […]
You’ve probably heard the saying “You have to spend money to make money.” Economists debate that, but there’s little doubt that people spend more when they’re making. The median household income hit $79,900 in the first quarter of 2021, according to the U.S. Department of Housing and Urban Development. That’s almost $35,000 more than it […]
*Rod Griffin, Director of Public Education for Experian FICO scores are used in 90% of lending decisions, so those ranges are listed below, using estimates from Experian. Very poor:300 to 579 Fair: 580 to 669 Good:670 to 739 Very good:740 to 799 Excellent: 800 to 850 Credit Crisis A good credit score can help you receive better-than-average […]
DEBT CRISIS! By Kim Clifford (AZ Credit Medix-Debt Action Plan Specialist) Debt is out of control in our world as stated below. But, what is the status in your household? Facts and Statistics are meaningless without it actually hitting home. In fact, most people cannot even imagine the size of $1,000,000,000,000. (One trillion dollars). But, […]
Don’t close any credit cards If you’re a first-time homebuyer rushing to improve your credit score, be aware that closing cards can make the job much tougher. Closing an account immediately reduces your available credit. If you have outstanding debt, this will cause your credit utilization ratio to jump up and therefore, your credit score […]
Great Article from Gary Nitzkin: How to Remove Debt Collection Items from Your Credit Report in Arizona How to Remove Debt Collection Items from Your Credit Report in Arizona There have been plenty of issues with poor debt collection practices in Arizona over the past few years. This can make it difficult for Arizonians to […]
How to protect and check you CHILD’S credit report. Identity theft of children is something that has been a BIG issue now days and is also very hard to detect. Because when you do detect it child might be already 18 and since it’s been going on for such a long period of time, its […]
Free Annual Credit Report Information As a consumer in the United States, the Federal Government decided back in 2003 that you are entitled to receive a free annual credit report so you can monitor your credit and your credit rating. The FACT Act was passed unanimously so that all Americans could get a free annual […]