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The second largest factor in a consumer credit scores is the amount you owe in relation to your high credit limits. If a consumer is carrying high credit card balances, they can actually hurt their credit scores almost as much as paying the account late every month.  This is because if they go late they […]

Consumer payment history is the largest aspect of the credit score, as you might expect.  In total payment history accounts for 35% of the total score.   This aspect of the total score calculation is based on prior payment history with creditors.  Late payments, defaulted accounts, bankruptcies, and all other negative information on the credit

During this webinar you will hear from industry leading marketing and branding authority Joel Bauer. Joel reveals some of his most explosive Millionaire Moves that can help you take your business to a whole other level.  Learn the secrets Joel usually charges over $15,000 in his seminars for attendees to hear including how to get

The consumer credit dispute system was created to provide the consumer recourse when there is an inaccuracy on their credit report. The way the system has turned into an automated dispute process using systems like e-OSCAR and OCR is fundamentally flawed. There are no real investigations, but rather an automated process of sending and receiving

During this webinar you will hear two leading credit industry authorities Mike Citron and John Ulzheimer talk about hot topics in the credit industry. Learn more about a study relating to errors on credit reports and how it affects you and your business. See how this study can help you promote your business, learn all

One of the best ways to make money is to earn more on clients you already have.  This is especially true in credit disputing as many customers are initially skeptical, but then are very pleased as they start to see results. When customers do start to see results is the best time to help them

Did you know that public records are actually never verified through credit disputes?  When an item is disputed with the credit bureaus they send the dispute to the creditor. The creditor then deletes the item when it is not verifiable, they verify the item if it is verifiable, or they update the account with the

Collection agencies make their living by collecting debt. They typically have little regard for reporting information correctly until they are forced to. There are different types of collection agencies, they will usually specialize in a certain area of collections like junk debt or commercial, some collection agencies are hired to work for the original creditor,

Direct mail is another effective outreach tool to promote your credit services. Despite the countless technological advances of the past century, direct mail just keeps on delivering, generating billions in income per year and actively influencing national political campaigns to this day. Just make sure that when you do direct mail, you do things differently

During this webinar you will hear two leading credit industry authorities Mike Citron and John Ulzheimer talk about hot topics in the credit industry. Hear about new regulations that were imposed on the credit card industry, see how the industry is responding, hear about all you need to know about this and how it will