Credit Karma – FICO 8 and other fake credit scores

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...

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17 collections deleted in 3 days!!!

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...

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The Birth of $150 or $500

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...

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Like my Pappy always said, “you get what you pay fer”

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...

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Credit Master’s Tip #8

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)....

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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...

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I WANT A BETTER INTEREST RATE, AND I WANT TO TAKE CONTROL OF MY CREDIT