How much money can I save with good credit?

With good credit, your mortgage, auto or loan payments can be cut in half! As you can see by this chart, a low credit score directly increases the size of your monthly payments. Improving your credit score can save you hundreds of thousands of dollars over the life of a loan!

Now the most frequent question we get asked, is credit repair legal? Credit repair is 100% legal and it works because of the law. The Fair Credit Reporting Act gives you the right to dispute any item on your credit reports. If an item cannot be verified it must be removed. This will immediately boost your credit score. Even accurate negative items can often be removed or negotiated away.
So how does credit repair work? 79% of all credit reports contain errors. This means that most credit reports can be improved instantly. The next step is to work with creditors to negotiate the removal of accurate negative items. Credit repair is especially effective after a credit score after a collections, delinquency, bankruptcy, divorce, Identity theft or foreclosure. We will guide you every step of the way to order free credit reports, remove errors and negotiate the removal of negative items. We create powerful letters written by attorneys that place the burden of proof on the credit bureaus and creditors. You will monitor your progress every step of the way. Our financial experts will also help you to keep your finances organized so you will never wind up with bad credit again.


  1.  Always pay your bills on time!
  2. Don’t close old accounts!
  3. Don’t apply for any new credit!
  4. Don’t ever use more than 30% of your available credit on each credit card!

Yes, it’s really that easy. The scoring system wants to see that you maintain a variety of credit accounts. It also wants to see that you have 3 revolving credit lines. If you do not have three active credit cards, you might want to open some (but keep in mind that if you do, you will need to wait sometime before rescoring). If you have poor credit and are not approved for a typical credit card, you might want to set up a “secured credit card” account. This means that you will have to make a deposit that is equal or more than your limit, which guarantees the bank that you will repay the loan. It’s an excellent way to establish credit. Examples of an installment loan would be a car loan, or it could be for furniture or a major appliance. In addition to the above, having a mortgage listed will bring your score even higher.


What has the world brought us to now that when something is going to involve our credit scores, we cringe?   Is it because we’ve been told that your credit score controls your financial future?  Maybe it’s because the 3 big credit bureaus are made out to be these unpenetrable organizations where they’ve got some power that rivals our very own Almighty Creator.   How did they get this power?  It sounds like they’re like the supervillains from comic books and it feels like they’re standing over you with their proverbial foot on your throat.  It sucks.

The good thing is, things are changing.  Maybe TransUnion, Experian, and Equifax used to have a lot more power, but luckily, our government actually did something right and gave consumers the right to dispute (yes, actually stand up for ourselves) anything that we wanted to in order to give ourselves a fair shot in life.  Who would have to thunk it?!

Life is too short to be paralyzed be thoughts and ideas that hold us down from progressing.  Credit shouldn’t be one more thing that we worry about because there are certainly other things that should and do matter more than credit scores and debt to income ratios.  Do we need to still try to be responsible for our money? Of course, we do.  Can we make mistakes in life?  We should certainly feel like it won’t ruin us if we do.  I’ve been down this road of ‘dings’ on my credit and I’ve taken the long way out by waiting patiently for things to disappear. 6 years of my life wasted because I didn’t have anyone on my side to shorten up the penalty time that those big companies put out there.

There are FREE legal services out there that will not only argue on your behalf, but there are options for you to get people who will actually teach you how to be smart and legally beat the credit bureaus at their own game.  Can you believe it?  What about the part that it’s free…?  Beware of the companies that charge you too much to do simple things for you.  There ARE free options along with fee-based choices where you have additional options to get solid help.  You don’t need a lawyer to dispute your credit, but would it be nice to have one?  Do some research.  Things are about to get really good for us.

Credit Card Bill of Rights

The credit card industry has been running amuck for years now. They have worded their agreements in a way where they can do just about anything they want. Late payment fees, lowering your high credit limit, and raising your interest rates have always been easy for these credit card companies to get away with.

FINALLY, the US government has stepped in and passed regulation to prohibit some of these practices. The Credit Card Bill of Rights eliminates many of the most exploitative practices in the credit card industry. This new bill ends the “any time, any reason” rate increases these companies have become notorious for. Credit card companies will now be required to give consumers a 45-day notice of a rate increase.

And, if the rate is raised, it can only be on new debt during the current billing cycle, not for previous debt put on the card before the rate change. Plus, hefty over-the-limit fees, have now been eliminated, unless the card holder explicitly agrees to this beforehand.

The US government has not imposed restrictions on the credit card industry since 1988. This new regulation is welcomed news to consumers who have been taken advantage of by these companies for decades now.

Still, there are many techniques and tricks these companies use to insure the consumer’s credit suffers if any late payments are made. Many of these industry tricks are unethical and illegal. These are the same tactics we spend countless hours on correcting for our clients.

We have already dissected the new Credit Card Bill of Rights and have found more loopholes to help YOU get your derogatory items permanently deleted from your credit profiles.

Credit Score Changes

Most consumers wonder why their credit scores are so different. If you pull your own credit report, you will most definitely pull different scores than what a lender pulls. If you apply for a car loan, your scores will be different than if you are applying for a mortgage. Many people wonder why these scores are so different.

There are actually hundreds of different scoring models available through Fair Isaac. Many of these are referred to as “industry option” scoring models. These scoring models are industry specific. There are separate models for mortgages, cars, lines of credit, and other bank offered loan programs. These score models take certain options into account heavier than all other accounts.

For example, the auto industry scoring model takes into account your car history heavier than everything else.

If you were ever late on a car payment or had a car loan which you defaulted on, a dealer using the auto industry option will pull a lower credit score than what you might pull. Your negative car history would have a greater impact on your credit score than any other defaulted account. The reasoning behind this is that an auto dealer is more concerned with your car payment history than all other accounts.

If you have good car history, your score will be much higher. The same applies if you have bad car history.

FICO 08, FICO Bankcard, FICO Mortgage Industry Option, and the FICO Auto Industry scoring models are only a few of the hundreds that exist. Our system is designed for maximum score impact on all scoring models.

We also pay special attention to the industry models if you are applying for a loan, this way you will get APPROVED even faster.

Foreclosure & Credit Repair

Foreclosure is a word you have heard a lot from lately. More and more Americans are considering foreclosure, while others are enjoying the discounted sales prices that come with foreclosures. Buying a foreclosed home will save you thousands. Lenders price their foreclosures based on current appraisal snapshots of the current real estate market.

The sales price usually reflects the low end of what homes of equal size and age are selling for in the current market.

You will have to deal with the lender in the transaction instead of an individual seller, so make sure you have a realtor involved to assist you with negotiating as they have experience with foreclosure lenders.

If you are contemplating foreclosure on your own home, there are some factors you want to first consider.

Your credit will be destroyed after a foreclosure. The lender will report you late each month for up to 2 years before moving it into a collection status. This will lower your credit score hundreds of points. Foreclosures stay on your credit report for a total of 7 years. You will be required to wait 3 years after the foreclosure to purchase a home again. Of course, if we get the foreclosure deleted you can purchase sooner than 3 years.

You will also be left with a deficiency balance. This is the difference between what the lender eventually sells the home for and what you actually owe. The bank can then pursue you for this money and go as far as taking you to court and rarely even garnish your wages.

If you are even thinking about a foreclosure, consider a short sale first. This will relieve you from the deficiency balance and will not have nearly the adverse impact to your credit profiles.