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Mortgage Credit Score: How Important Is It?

A mortgage credit score obtained by a mortgage company will usually be a little different than scores pulled from a free credit report service or from some other type of business. This is important since your score determines the interest rate and the approval. You can get an idea of your scores from other sources […]

FICO Score

FICO Score is a number giving lenders a snapshot of your credit both current and past. It is calculated by a software program developed by Fair Isaac Corporation. FICO Score Meaning Here is where it gets a little hard to understand. There are three different credit reporting agencies. Equifax Experian TransUnion Each of the credit […]

Lenders Re-Pulling Credit Prior to Closing Mortgage

Mortgage lenders will perform another credit check just prior to closing. It is very important to not incur any additional debt or apply for any new credit cards or loans from the time of application. This can be hard for some especially when you are buying a home. There is always a need for appliances, […]

Equal Credit Opportunity Act Question

We get questions submitted through the site all time and we try to answer as many as we can. This one on the Equal Credit Opportunity Act warranted a post to give a complete answer. Most questions can be answered in “Reply” Comment, but this like many others deserves a full airing. Here’s the Question: […]

True Credit Service - Scam or Not?

True Credit is a scoring and reporting service provided by TransUnion, one of the three major credit repositories. Maybe you have seen their ads online or on TV …and you really want to know just one thing… Is This A Scam or Not? I’ve seen the ads too and so I did the research…on the […]

MyFico Credit Service

So you have heard about the MyFico credit service either from Suzi Orman or from TV ads or online…and you really want to know just one thing… Is This A Scam or Not? I have seen the ads too and so I did the research, talk my colleagues in the industry, talk to my friends…on […]

Credit Repair Scams

Credit repair scams have always been here, but in a weak economy scams of all types seem to get worse. Do not fall for the most recent credit repair scams. Learn our tips on how to spot unscrupulous credit repair companies. Credit Repair Scam Red Flags Here are a few red flags that can warn […]