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How do I get my credit reports?

Tell me how to get my credit reports. Currently, there are three main credit bureaus: Equifax, Experian, and TransUnion. You should request your credit report from all three of these agencies. Your information is also available for free from each credit bureau every 12 months. Another option for obtaining personal credit reports is to get … Read moreHow do I get my credit reports?

How do my insurance scores affect my car insurance rates?

If you’ve never heard of an auto insurance score, also known as a credit-based insurance score, you’re probably not alone. Insurance scores were introduced in the early 1990s by auto insurers as another factor to help predict the likelihood that an insured driver would have an accident or file an insurance claim. What is an … Read moreHow do my insurance scores affect my car insurance rates?

Is Credit Repair Legal?

For those who are searching for assistance with their less-than-great credit score, credit repair is certainly an option to consider. However, before working with just any company that promises to help improve credit scores and dispute discrepancies on a report, it is important to determine whether or not a particular company is operating within the … Read moreIs Credit Repair Legal?

Credit Tips and Advice – How to Raise Credit Score

Many consumers complain that it’s hard to raise your credit score once it’s damaged, but this idea is far from the truth. It does not matter how bad your credit report was in the past because with the right education, you can improve your three-digit number over time. In this article, I will discuss 5 … Read moreCredit Tips and Advice – How to Raise Credit Score

Loan Assistance & Getting a Mortgage Even w/Bad Credit

Home Loans, Home Buying Assistance and How Your Credit Score Comes into Play Only 37% of first-time homebuyers can actually afford the standard 20% down payment, according to a recent report by Zillow. While that may sound shocking, it’s no wonder when you consider that Americans have record-breaking credit card debt and oppressive student loan balances. Thankfully, there are … Read moreLoan Assistance & Getting a Mortgage Even w/Bad Credit

Is a Business Credit Card better than a Consumer Credit Card?

How are you going to select your next credit card? Our Chief Paralegal and Credit Repair Specialist in Austin, Texas, Joseph Horton has a quick tip for you! If you go on the internet, you’re going to quickly find some great deals for business credit cards. Nearly anyone can apply for a business card and … Read moreIs a Business Credit Card better than a Consumer Credit Card?

Applying for a Home Loan with Unresolved Credit Issues

Many borrowers apply for home loans each year knowing they have credit problems.  In most of these cases the consumers were victims of a broken credit system. Usually one event happens which causes the consumer to go late on some payments.  The credit then becomes damaged, and the credit quality starts progressively getting worse. Eventually … Read moreApplying for a Home Loan with Unresolved Credit Issues