Late Payments and Revolving Balances

Late payments and revolving balances are the two things that can do the most damage to a credit score. Having a late payment show up on your credit report probably makes sense but can revolving … [Read more...]

When Creditors Report to the Bureaus

One of the most frequently asked questions we get regarding credit reports is: “When do creditors report to the bureaus?” There is a misconception that creditors report their information at the … [Read more...]

Re-aging – Wouldn’t It Be Nice?

Wouldn’t it be nice if we could just make a phone call and say: “I promise to be good, to exercise, to eat right and take all my vitamins if you will just turn back the clock...” then have all the … [Read more...]

I See Dead People

Well, perhaps not…however that’s probably how a loan officer feels when he is sitting in his office with a client, pulls their credit and it is missing one or more scores because that particular … [Read more...]

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