Climbing your way to the top of the credit score mountain.

Do you have a top-notch credit score? If you have a 720 or higher FICO score, you may be patting yourself on the back, as that’s commonly considered a superior score. But most people don’t realize there is another whole level to climb on the credit score mountain and reaching the peak will get you even better savings on interest rates, mortgages and loans. FICO scores go all the way to 850, yet many people stop looking upward once they ...

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Accounts in Dispute

What does it mean when an account is in dispute?
While the credit bureaus are conducting their investigation of the validity and accuracy of an account they will often times put the verbiage, “consumer disputes account information” or “information disputed by consumer” in the comments section of that particular account. Please note, that not all accounts will have the dispute comment.

How does this affect me?
If you are planning or in the process of purchasing a home you would most ...

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Former Fed Reserve Chief Ben Bernanke denied for a mortgage refinance. Here’s how that conversation may have gone…

In a shocking development from the “you can’t make this stuff up,” department, former Federal Reserve Chairman Ben Bernanke recently disclosed that he’s had some mortgage trouble of how own. Speaking to a conference at the National Investment Center for Senior Housing and Care, Bernanke confessed that he’d been denied for a mortgage refinance on his own personal residence.

“I recently tried to refinance my mortgage and I was unsuccessful,” said Bernanke to moderator Mark Zandi of Moody’s Analytics in front ...

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FICO’s new Score 9 is a win-win for credit reporting accuracy, consumers with medical debt.

This week, the credit reporting giant FICO reported they’re rolling out an update to their scoring model, FICO Score 9.  Once implemented, it will provide a more accurate and fair way to gauge consumer collections for credit scoring.  The highlight of FICO Score 9 is that it will differentiate medical collections from other consumer credit accounts in collections.  Up until now, those two types of accounts were lumped in together once they hit collections – hurting credit scores the same way.  But with a ...

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30 in 30; how to boost your credit score 30-points within 30 days.

Your credit score is all-important these days, the gateway to achieving wealth and financial independence for your family. That’s never more critical than when a consumer is 30 days out from applying for a big loan like a mortgage or a car loan, obtaining some types of insurance, or even applying for a job. For that reason, it sometimes becomes critical to boost your score in a hurry to save money by taking advantage of the best interest rates – or even get approved at all. ...

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