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Identifying Public Records

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You can find Public Records either at the top of your report, before the trade line information begins, or after the trade line information...

Identifying Your Bad Credit Items to Dispute

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You have the legal right to challenge anything you would like to question on your report. In the upcoming chapter, we will begin disputing actual...

Understanding Your FICO Score (Fair Isaac Company)

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Did you know? There are different credit calculations. There are multiple versions of the FICO score. While it is true that mortgage companies use...

FICO Versus Consumer Scores (Credit Karma)

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Vantage Score vs FICO Score: Here’s The Truth The multiple FICO score models vary greatly from the Vantage Score models being offered from online places...

Components of the FICO Score

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There are hundreds of algorithms out there for calculating credit scores. This is why when you go to Credit Karma your score is, for...

Properly Manage Credit Card Utilization

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Credit card Utilization on Revolving Accounts Are you under 30%? Properly managing your credit card utilization and understanding the score exposure you face from...