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Upside-Down Car Loans

Credit repair Basics Upside-Down Car Loans Upside-Down in your Car – The What, The Why and The How to Avoid Just so we are on the same page from the get-go, this is not a scenario that you find yourself to be strapped upside-down in your car. Although...

Student Loans on Credit Reports

Credit repair Basics Student Loans on Credit Reports The Good, The Bad and The Dirty There are roughly 44 million Americans wandering through the maze known as student loans and combined, they owe over $1.48 trillion in student loan debt. With the average...

FICO Score vs VantageScore

It is important to know the difference between the two commonly used credit scoring models. These scores can vary greatly and knowing ‘why’ will help you be prepared whenever dealing with all decisions that are affected by your credit scores.

Bad Credit Home Loans

For most people, getting a home loan from a mortgage company is probably the most important move they will make in their lifetime. Those who are fortunate enough to have excellent credit will find the process…

What is my credit score

Credit repair Basics What Is My Credit Score? The Internet is peppered with advertisements about checking or improving your credit score. Most people perceive credit score as a three-digit number that often determines whether a financial institution such…

What is good credit score

Credit repair Basics What is a good credit score? The simple answer to what is a good credit score depends on what you’re pulling it for. What you’re looking to do with your credit will determine how your score is calculated. Meaning, if you’re looking to…

Lexington law

Us vs. Them Lexington Law vs. White, Jacobs & Associates There are obvious differences between credit repair companies like Lexington Law and the national credit restoration organization White, Jacobs & Associates (“WJA”). When comparing marketing…

How to build credit

Credit repair Basics How to Build Credit Credit, better known as debt, makes the world go round; especially for Americans. Everything from obtaining a credit card to purchasing a new car to purchasing a new home; lenders make their lending decisions based…

FICO Score – What is it?

Credit repair Basics FICO Score – What is it? What is a FICO Score? Your FICO score is a three-digit number that measures your creditworthiness, ranging on a scale from 300 to 850. The higher the score, the more creditworthy the individual is deemed to…