I was referred to this couple by a friend of a friend who knew a guy who knows me. The first call was frantic. The second call was more frantic. They have eight kids between them. Taxes and over time take a bite out of his wages, and Capital One takes their bite out...read more
I had a friend ask me yesterday why Credit Karma’s scores are not real credit score. That is a question I have answered time and again. The quick answer is credit scoring is an algorithm or a software program. Lenders don’t use every credit scoring algorithm that man...read more
17 collections deleted in 3 days for one person. He started with a 565 middle score. With the 17 deletions and 2 other things he and I are doing, I would be shocked if he is not a 700 plus middle score in 40 days. If you need an extra 40 or 140 points, message me. I...read more
Thank you nonprofit I will not name because I was raised more gooder than that. This was the last straw. You cannot buy a straight answer concerning credit. You can get substandard guesses by the dozen for free. I understand not everyone wants to pay $500 when bad...read more
Today I talked to a 20 something that needs my help but can’t see the value in paying for something that is free on the internet. She had small but pesky problems and was already kind of punch drunk on internet advice, while she trolled me for free info. She gave me...read more
Credit Master’s Tip #8 – I am still working on #7 which is about those soul-sucking inquiries ( btw I am super dramatic because they have got you concerned about an imaginary issue while you overlook some really important ones because the confused are easily misled)....read more
Credit advice from the internet, people who are making money if you can raise your scores and buy something from them or get a loan from them and those helpful friends, relatives, and coworkers that know someone who knows someone: Leave them alone. I heard paying off...read more
Credit Master’s Tip #5 – How do you know what you don’t know? How do you save money on every home, auto and business loan even when you are pre-approved already?
Start asking better questions to the right people. Spend a little extra time making sure you get the best deal, interest rate, and terms. Here is why? 1. How did a successful small businessman save $706.52 per month or $42,391.20 over five years? By going from...read more
Don’t be surprised if the person you are dealing with isn’t very good at their job / you can’t buy a straight answer from anyone when it comes to credit, credit scores, debt settlement, collections, credit reporting.
I feel like starting this article out like this is some joke, but it’s not. A teacher, firefighter, police officer, and a farmer pick up the phone looking for straight answers about their credit so they can buy a house. There are no straight answers to be found. They...read more
I love teaching this class. It is not lost on me that some in my class wish they were anywhere but sitting in my class listening to me geek out on student loan rehab. But there are some who want to be there. The folks in my class ask really good questions and some are...read more