How to Find Out if You are Affected by Equifax Data Breach

Equifax, one of the 3 main credit-reporting agencies in the country, has been hacked in a massive security breach.  According to New York Attorney General Eric Schneiderman, “The Equifax breach has potentially exposed sensitive personal information of nearly everyone with a credit report…” In response to the Equifax security breach, Equifax Chairman and CEO Rick …

Credit Scores Could Increase for Millions of Consumers This Summer

Once we have our clients on the road to living a debt-free life, the next step is helping to improve their credit score.  I am often asked, “how can I get my credit score to go up”?  We offer resources on our website, such as our free eBook The Ultimate Guide to Your Credit Score …

Experian Offers New App – Access Your FREE Credit Report Anytime, Anywhere

We’ve got to hand it to Experian!  For anyone trying to improve their credit score, Experian is now offering an app that can truly help.  If you need credit help, then you should check this out.  With the new app Experian – Free Credit Report, you can access your free credit report anytime, anywhere.  Experian …

12 Tips for Improving Your Credit Score in the New Year

It’s a brand new year and it is time for you to take control of your credit score!  If you want to improve your credit score fast in the new year, then there are immediate steps you can take. Read on for simple ways to improve your credit score in the new year. Tips For …

9 Credit Repair Tips For Buying A House

Your credit score is a key determining factor in getting a home loan and dictates what interest rate your lender will offer on the loan.  I will illustrate some helpful credit repair tips for buying a house in San Diego.  Why is a credit score so important in buying a new home?  Your credit score …

How Do You Establish Credit?

You might have a general knowledge about how your credit score impacts your ability to qualify for a home or car loan, or be eligible for other types of debt. But you may not know exactly how to establish good credit, especially if you’re younger and don’t have as much experience with spending. Your credit …

How Is A Credit Score Calculated?

You know the importance of good credit for obtaining a mortgage, purchasing a car, applying for credit cards and getting other types of loans. What’s less clear to a lot of consumers is exactly how a credit score is calculated by the credit reporting agencies. Several different factors weigh into the rating that you’re given …

8 Mistakes That Can Destroy Your Credit Score

You know how important it is to maintain good credit for buying a house, purchasing a car or obtaining other types of loans. What you may not know – like many other consumers – is that you may be making some credit score mistakes that destroy your rating. Check out this list of common errors …

Fixing Your Credit Scores 101

Regardless of the reasons you’ve gotten in over your head with debt, the fact is that your credit score has likely been affected in some way. You cannot change the past, but you can look forward to a brighter financial future if you take action to fix your credit score right away. The problem is …

Credit Reporting Rules and Laws 101

Even if you’ve had credit cards or other forms of financing for several years, you might not fully understand how credit reporting rules work or how they apply to you. There are a number of laws that deal with reporting, debt collection and other related matters, and it’s important to know your rights especially if …