We’ve written many times about the difference between FICO scores and FAKO scores – the ones that the credit bureaus advertise a lot that are not an equal comparison to the score that a lender sees.  So when your actual FICO scores are on sale, we want to make sure you know about it.
They usually [...]

We recently had a question about getting free credit scores.  And with the general public’s growing awareness of the importance of good credit and their credit scores, more and more people are interested.  So what to do and where to go?
The two sites being advertised the heaviest right now are the freescore and freecreditreport websites.   [...]

We’ve all seen the ads: “Qualify today and get 12 months with no payments and no interest!” or  “Your purchase free for one year!”  Some people have benefited from this type of financing and saved money be paying the account off before the interest charges kicked in.
However, there are some things that consumers should be aware of, [...]

When we talk about our credit scores, we are referring to the three scores calculated on the information stored by the three major credit reporting agencies in the U.S. and Canada: Equifax, Experian and TransUnion.  Rarely are these scores exactly the same because of different information in your credit file at each of the three [...]

We all know that the financial and credit landscape has changed dramatically over the past few years.  This is true in the auto industry as well as for people who have filed personal bankruptcy.  With our consulting services, we work with people from all walks of life who have experienced many different situations with their [...]

Should I add a Consumer Statement to my credit file?  The short answer is NO. 
A Consumer Statement is something that can be added to a person’s credit report, by them.  It is about the only thing a person can add to their own report.  Everything else on there comes from companies that pay the credit [...]