Credit Education

Fair Isaac and Vantage Score hold their credit scoring formulas as a close secret much like the formula for Coca-Cola or your grandma’s legendary double chocolate-chip cookies. This can be very frustrating for consumers when they see remarks on the credit report like “too many revolving debt accounts” and not knowing exactly what that means. […]

Filing a fraud alert is fast and easy to do.  Your clients can either call the credit bureaus or file a fraud alert online.  Below are the phone numbers and web addresses which a client will need to file their complaint. The fraud alert will instantly be placed on their report once filed, whether the

During this webinar you will learn everything you want and need to know about collection accounts, and dates on reports that are associated with that collection. Learn what dates really report, learn more about how to dispute collections based on date inaccuracies, learn about the purged from date, and get all the other details you

Consumer credit scores take into account the “mix” of credit items the consumer has on their report.  This part of the credit score is affected by what kinds of accounts a consumer has and how many of each.  The bureaus will score someone higher if they have an open mortgage, 3 credit cards, 1 auto

During this webinar you will hear from credit industry leader Mike Citron and top credit improvement company owner and master marketer Herschel Bentley.  Herschel will share his strategies of how to cut out the CRAP from your business and build a leading credit improvement business as he has done. From Mike and Herschel you will

During this webinar you will hear from credit industry leader Mike Citron and top credit improvement company owner and master marketer Herschel Bentley.  Herschel will share his strategies of how to cut out the CRAP from your business and build a leading credit improvement business as he has done. From Mike and Herschel you will

Did you know that there is something only your clients can do that can have a huge impact on their credit scores? For any consumer to have good personal credit they must first have positive accounts on their credit report.  Even if you remove all of your client’s negative items, they still won’t have a

Did you know that there is something only your clients can do that can have a huge impact on their credit scores? For any consumer to have good personal credit they must first have positive accounts on their credit report.  Even if you remove all of your client’s negative items, they still won’t have a

Millions of consumers each year pay for credit monitoring access.  And some of the most common monitoring services are even actually owned by the credit bureaus themselves.  Even though these services do typically offer a 30 day trial, monitoring costs after that can cost $50 or more in some cases. You will need access to

FICO now competes with Vantage Score but Equifax, Experian and TransUnion still offer both score options. This is partly because FICO is so widely used and accepted. The goal of the credit bureaus is to wean users off the FICO model and start using Vantage Score instead. Due to the overwhelming majority of lenders and