My #1 Recommendation for Credit Monitoring: Get quarterly access to your most widely used FICO®Scores and a new 3-bureau credit report Instantly access your 3-bureau credit report and FICO® Scores—including the FICO® Scores most widely used in mortgage, auto and credit card lending, and the newly released FICO® Score 9 Access updated credit reports and your most widely used FICO®Scores […]
Starting in 2019, Lenders will have access to The NEW UltraFICO credit scoring system. For the first time, consumers will have the opportunity to give permission to include their personal Checking and savings account information. This new Scoring model is designed to help those with little to NO Credit as well as those that just fall short […]
So what is your TRUE CREDIT SCORE and how can you get it? Did you know that The Consumer Financial Protection Bureau ordered TransUnion and Equifax to pay more than $23 million in fines and restitution “for deceiving consumers about the usefulness and actual cost of credit scores they sold to consumers.” The problem, according to the CFPB, was that TransUnion […]
What it means to have a Good Credit Score and how to take control of it. A good credit score is a relative term and is different for what you are applying for: Job, Mortgage, Insurance, Credit Card, Insurance (Car, Home, Auto, Life) However, the results are all the same: The Higher the Credit Score the more liekleyyou will […]
The real problem with credit reports is the astounding number of errors One in five credit reports has ERRORS on them. Don’t take my word for it, here is a report from CNBC: The Errors cause the following issue to consumers: Denial Higher Rates Higher Premium Here are the HIGHLIGHTS of the Study: Errors arise because credit […]
Some basics you need to know What is a FICO Score Fico Score -VS- VantageScore What are the FICO Score Ranges The Does & The Don’ts to Improve your FICO Score What is a FICO SCORE: A FICO score is a three-digit number that lenders and credit card issuers use to predict how likely you are to repay them if they grant […]
What makes Lexington Law trusted leaders in credit repair? For over two decades, Lexington Law Firm has led the credit repair industry. Unmatched in credit repair knowledge, technology, and regulatory compliance, we stand alone at the top of the field. Trusted leaders in credit repair for a reason Call now and we’ll provide you with a: FREE […]
What Credit Scores your Lenders use: This will depend on what kind of Financing you are seeking: As Fair Isaac notes: You have more than one FICO Score—depending on what type of credit you’re seeking, your lenders may evaluate your credit risk using different FICO Score versions. Auto lenders, for instance, often use FICO® Auto […]
There are 4 Different Credit Scores Not all Credit scores are the same. You are most likely aware of the 3 Major Credit Agencies: Trans Union Equifax Experian. However, there are also 4 different credit scoring systems: AUTO The FICO Auto Score (and other industry-specific scores) focus specifically on the likelihood of you paying back […]
If I had the opportunity to erase from your mind everything you know or think you know about Credit, I would do it for 95% of the country. Too often consumers actually do things in an effort to increase their credit but end up only causing a reverse action and actually realizing a drop in their […]
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