As a well known credit guru people regularly ask me if credit repair really works. Credit repair can be very effective if performed the right way. Read more »
You can expect BIG changes to your credit scores with FICO 08
Fair Isaac has finally released their much anticipated FICO 08 credit scoring model. This new credit scoring model has big differences from the previous FICO model. Read more »
Establishing Good Credit Habits
To repair your credit, you must first work away negative information from the past on your credit report and catch up on overdue bills. Still, these alone wont make your credit standing get to where it needs to be. If you want to apply for a loan, you have to actually rebuild your credit and prove you can be responsible for it. These can seem overwhelming and make it hard to get things going, but once you get started, it will become easier. Soon you will have the good credit you seek, but you must start with good credit habits. Read more »