What is my credit score currently? What factors make up my score? How do I know if it’s good or bad? How much does it affect my chances of getting a mortgage loan?
These are some of the most frequently asked questions relating to consumer credit. In this article, we will address all of these topics [...]
Credit Scores | Brandon | 
February 21, 2010 6:19 pm | 
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Legal Note — I make no claims or assertions about FreeCreditReport.com, other than sharing this data relating to their BBB record (which is public record). The data reported in this article was taken from this page on January 7, 2010.
FreeCreditReport.com has racked up more than 11,000 Better Business Bureau complaints over the last 36 months. [...]
Credit Scores | Brandon | January 7, 2010 4:14 pm | Comments Off
Question: “I want to check my credit score because I’m applying for a mortgage loan soon. What’s the best way to check it without having to pay for other stuff I don’t need?”
This is a common question among home buyers. Here’s why. You see a website that offers you a free credit score, which is [...]
Credit Scores | Brandon | December 2, 2009 1:54 pm | Comments Off
In this lesson, we will discuss some of the things you can do to rebuild your credit after a bankruptcy filing. In particular, we will talk about the credit-reporting laws that relate to bankruptcy, as well as some tips for improving your score.
The number of personal bankruptcy filings are up this year, and they’ll probably [...]
Credit Scores | Brandon | November 7, 2009 8:48 am | Comments Off
Changes within the credit industry could soon put cards out of reach for people with bad credit scores. These changes are happening now, and they will continue through 2010. Here’s what you should know:
I don’t usually write about credit card topics on this blog, because it has little to do with the real estate focus [...]
Credit Scores | Brandon | August 19, 2009 8:26 am | Comments (0)
Reader Question: “I recently checked my credit scores from all three bureaus, and found that I have an average of 720 points. I want to buy a home later this year. Can I get a mortgage loan with a 720 credit score, or should I try to improve it before applying for loans?”
Let me start [...]
Credit Scores | Brandon | August 10, 2009 7:20 pm | Comments (0)
Do you have bad credit? Are you looking for ways to increase your credit score so you can qualify for better financing? This article gives you the guidance you need to accomplish this goal.
Warning: This article contains some tough love, because that’s what a lot of folks need right now. If you know you’ve [...]
Credit Scores | Brandon | April 8, 2009 11:37 am | Comments (0)
Do you have questions about credit reports and scores? If so, you’ve come to the right place. We have compiled some of the most common credit questions we have received over the years through the Home Buying Institute (our sister website). Most of these Q&A sessions have a real estate focus. They explain the connection [...]
Credit Scores | Brandon | March 28, 2009 8:51 am | Comments (0)
The pitch usually goes like this: “We can help you raise your credit score fast so that you can qualify for auto loans and mortgage loans. Best of all, you only have to pay a small up-front fee…”
Nonsense. If you ever encounter an offer like this one, run the other way. Nobody can raise your [...]
Credit Scores | Brandon | March 11, 2009 7:09 pm | Comments (0)
What is a bad credit score in this economy? What can I do to improve my score if I find out that it’s low? How does a bad credit score affect me when buying a home?
These are all common questions among home buyers in 2009, and among consumers in general. So in today’s lesson, I’ll [...]
Credit Scores | Brandon | 11:05 am | Comments (0)