You have probably heard the buzz at some point:  "there are ways to create an alternative tax identification number".  So I felt it was important to discuss this subject so you know the facts, and not believe the "hype" on the internet. At one time, hundreds of websites were advertising that they could get you

Did you know that at least 85% of credit reports in the United States have errors?  Do you understand what those errors mean to you?  Well, most of us don't know the whole story.  The three major credit bureaus, Experian, TransUnion, and CSC/Equifax, are the main repositories of data that is reported about your credit

It was announced recently that a new credit report would be available to the public and lenders.  In a partnership between Fair Isaac Corporation (FICO) and CoreLogic (CREDCO), the new report is called the "FICO® Mortgage Score Powered by CoreLogic®". The purpose of the new report is to give lenders an advantage by providing non-traditional

Credit Repair and Bankruptcy   Many people ask us "will bankruptcy completely screw up our credit report"?  The answer is, of course, complicated.  The short answer is "yes", and the longer answer is "it will get better". Having a personal bankruptcy on your credit report will affect your score as much as 200 points, and

The "Right" Credit Score Some people don’t have that “right score” so they are denied rights that they normally should have, like getting a loan approved or a new credit card. “Scores”  were first started by local department stores and financial institutions who would share their information about their applicants to see if potential new