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Wouldn’t it be nice if you could just ad an account to your credit report and it automatically has a 2 years PERFECT pay history? Well, you can AND it is 100% legal. Authorized user accounts are the only legal way to back-date your credit reports and add past positive...

When it comes to your credit report 30% is a magical number. All credit scoring models rate your scores higher if your accounts have less than 30% balances in relation to their high credit limits. This includes your credit cards, car loans, mortgages, and all other...

Sometimes you KNOW you are going to have to pay a payment late. It might be for your cell phone or your credit card, but the day might come where you just don’t have the money to get all those pesky bills paid in a month. There are many monthly bills you pay which...

By law, your creditors have to wait 30 days to report you late to the credit bureaus. After 30 days they will report you late and your scores will go down. The largest aspect of your credit score is how you pay your bills. This accounts for 35% of your total score. If...

The credit card industry has been running amuck for years now. They have worded their agreements in a way where they can do just about anything they want. Late payment fees, lowering your high credit limit, raising your interest rates have always been easy for these...

Most consumers wonder why their credit scores are so different. If you pull your own credit report, you will most definitely pull different scores than what a lender pulls. If you apply for a car loan, your scores will be different than if you are applying for a...

Millions of Americans are either purchasing short sales or putting their homes for sale using short sales. Even as popular as short sales have become, many don’t truly understand how they really work. We have seen a dramatic drop in property values over the last few...

Foreclosure is a word you have heard a lot from lately. More and more Americans are considering foreclosure, while others are enjoying the discounted sales prices that come with foreclosures. Buying a foreclosed home will save you thousands. Lenders price their...

Don’t let your creditors take advantage of you. The Fair Debt Collection Practices act is a law designed to protect you against unruly creditors and collection companies. YOU have a ton of rights under this act which will help stop creditors and debt collectors in...

More Sneaky methods creditors are using to hurt your credit scores. More and more credit reports are found to have erroneous, inaccurate, or unverifiable. Most estimates show that between 76-100% of reports contain errors. We have been dealing with creditors for years...

Credit Repair is scary. The truth is creditors have done a great job of creating smear campaigns convincing consumers that there is nothing that can be done to fix credit. The truth is, it is the creditor’s OBLIGATION to validate hundreds of points upon your request....

It depends on what you use it for. 0% finance offers can be tricky to understand. The way credit card companies make a great deal of their profits is the interest rate, but there are ways they can still make 0% financing work in their favor. Financing offers with 0%...

The quick and short answer is yes, you can get a home loan approval with bad credit. With recent economic downfalls and life changing events, your credit may have been impacted by these events. Those with light or poor credit history and those with nearly perfect...

Today, we are so focused on credit and it seems everywhere we turn, we are always having our credit scores and history researched by someone else. Building and rebuilding your credit takes time and effort, but you are never lost when it comes to your own credit. At...