While unpaid utilities, rent and cellphone bills that are sent to collections will have a negative impact on your credit scores, the positive payment activity is not factored into most scoring …
Credit Score Tips for 2019
Your credit score is made up of several things. I'm going to give you some examples, based upon the weighted average of how it will impact your score, of things you can do to improve your credit …
Credit Inquiries and Credit Scores
We get lots of questions from people who want to know if allowing us to pull their credit will hurt their credit score. This is generally a conversation we have when they are calling us for …
Disputing All Credit – Not Getting Mortgage Approval
Minimum Credit Scores for mortgage loans are going to continue to be stiff, in our opinion. The reason we believe this is because of the fact that the Government is winding down it's program to buy …
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What To Dispute On Your Credit Report
Want to buy a new home in NC? We have some great news! In 2018 - minimum credit scores required for a mortgage are going down, in many cases. We now need a minimum of 640 to qualify someone through …
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Charge Offs vs Collection
If you are behind on bills, you might be getting notices that you are facing "Charge Off." Do you know the difference between Charge Offs and a Collection? "Charge Off" means that the institution …
