Each of the three credit bureaus has its own version of FICO Scores that generally range between 300 and 850.  (more…)

Identity Theft ranks as the number one complaint to the FTC year after year and accounted for 37% of all complaints in 2005.  Identity Theft is a real problem in today’s society.  Your good credit rating can be damaged when someone uses your personal information without your permission to open credit accounts.  The purpose of this article is to outline some of the steps that you can take to have the bad credit that results from this activity removed from your credit report.  (more…)

Have you found an error on your credit report?  Perhaps there is some erroneous bad credit that was discovered AFTER applying for your mortgage loan.  (more…)

According to Fair Isaac Corp, 30% of your total FICO score is a function of Amounts Owed.  This is second only to Payment History which weighs in at 35%.  In this article, I will discuss some strategies for improving your credit score with your existing credit cards.  (more…)