How Excessive Mortgage Inquiries Impact Your Credit Scores

Any type of a hard inquiry on your credit affects your credit scores. A hard credit inquiry is referred to anyone who is seeking new credit like a loan, credit card or mortgage. A soft inquiry does not impact your credit score because you are not applying for new credit or authorizing a lending institution to […]

Divorcing with an Existing Mortgage on Your House

Divorce is a very stressful and emotional life event.  Divorce agreements get even more complicated if there is an existing mortgage on your home. Selling your home is the best option; however, it all depends on your divorce decree. You may Quit Claim deed yourself off the title, which restricts you of having any further […]

Four Creditworthy Tips for a Business Loan Application

In an article in Wall Street Journal “Bankers are mystified by the sluggish expansion in corporate borrowing” If you are seeking a new business loan, here are some credit tips to help you secure a new business loan for your business.   Debt Service Ratio: Perhaps your monthly debt maybe over the lender’s guidelines, even though […]

Your Credit and Forbearance Agreement for Hurricane Irma Disaster Relief Assistance

Some mortgage servicing companies are reporting consumers late even though they have a forbearance agreement for Hurricane Irma disaster relief assistance, and state “your forbearance agreement will not go into effect until the following month”, this statement is incorrect. According to Fannie Mae, “Servicers are authorized to suspend or reduce a homeowner’s mortgage payments immediately […]

Avoid Credit and Financial Mistakes While Divorcing

Divorce is not an easy process. However, your credit and finances don’t have to suffer while you are in the process of a divorce.  Included below are some helpful dos and don’ts of protecting your finances and credit through the divorce process: Financial dos during Your Separation or Divorce Process Do hire an Attorney (In […]

Credit Freeze or Fraud Alert, Which One?

Since the Equifax data breach, a number of past clients are asking me this question, “Should I credit freeze or should I fraud alert?” A fraud alert is free and lasts up to 90 days which you can renew every 90 days. A fraud alert will notify you if someone is inquiring on your credit […]

Make Your Credit Great Again!

How do I Make My Credit Great Again? A good way to start making your credit great again is first, simply checking your credit. I highly recommend Equifax.com, and order a three merge credit report; you will not be penalized for a credit inquiry. Once you find errors on your credit report, contact a credit […]

Improving Your Credit is More Crucial than Ever Before

You can still take advantage of today’s interest rates to lend,  rates are low to finance your business, car or home. Lucky for us, clients and potential clients who do contact us are concerned about their financial landscape that needs trimming; we work together on correcting credit and reducing their debt.  For example: Our past […]

One Solution Doesn’t Fit all…Which Credit Solution is Right for You?

Not everyone’s credit history and debt liabilities are the same, so why have the same formula for everyone? Why waste your money on a generic system that may not work? Selecting a customized credit repair solution for your restoration is the best way. You don’t want your credit report scanned into a computer software system. Customized […]

Public Records and Your Personal Credit

What is a public record on my credit report? A public record which appears on your credit report can consist of a bankruptcy, money judgment, tax lien and sometimes back child support and alimony. Depending upon your state’s statutes and legislation, the derogatory reporting will remain on your credit for up to 7-10 years, a […]

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