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The Backwards Buyer

A Backward Buyer is one who is going at home buying in the reverse manner. They go online to find their “dream” home prior to knowing how much they qualify for. These buyers usually find homes in the city or community that they would love to live in, regardless of qualifying. They consider the bedroom […]

By |October 25th, 2016|Credit, Real Estate|0 Comments

How long can items stay on my Credit Report?

This is one of the most common questions asked in credit repair. Today we’ll walk through the major derogatory accounts found on credit reports and give you an understanding of how long each may report on our credit reports.
Statute of Limitations:
The Fair Credit Reporting Act or FCRA governs how the credit reporting agencies or CRA’s […]

By |March 15th, 2016|Credit|0 Comments

The Power of the Credit Score

I’ve talked a lot about the changes in Real Estate and Loans in my previous blogs. Today, I want to talk more about your credit and how it affects your daily life.

Most people don’t realize the power of the credit score. It can determine the rates and terms you will be charged on auto loans, […]

By |November 25th, 2015|Credit|Comments Off on The Power of the Credit Score

Why Does Each Credit Report Vary by Credit Bureau?

When you view your credit report, you will notice that some accounts may differ from one credit bureau to another. There is some information that will remain the same, some that will differ and some creditors that may not even appear on all three bureaus.

The reason that the information is different is usually because each […]

By |November 25th, 2015|Credit|Comments Off on Why Does Each Credit Report Vary by Credit Bureau?

How Well Do You Know Your Credit Score?

The time has come where everyone thinks that they know their credit score, but do they? First, there are three major credit reporting bureaus, thus three separate credit scores. Each bureau has their own credit scoring model. It is not uncommon for those three separate scores to vary by as much as fifty points. I find that […]

By |July 31st, 2015|Credit|Comments Off on How Well Do You Know Your Credit Score?