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CONSUMER ALERT: Be aware that when you’re purchasing a vehicle that a completely different credit score is being used. The base FICO score ranges from 300 to 850, but FICO Auto Scores range from 250 to 900. Five major factors contribute to the FICO auto score and requirements to get...

15 Million Americans with Medical Debt on Credit Reports Disproportionately Live in the South and in Low-income Communities WASHINGTON – A study released by the Consumer Financial Protection Bureau (CFPB) yesterday shows that, despite changes by Equifax, Experian, and TransUnion to reduce the number of medical bills on credit reports, 15 million...

In the bitter world of personal finance, your credit score holds significant sway over your financial trajectory. This numerical representation has the potential to unlock opportunities for improved interest rates, favorable loan terms, and overall financial well being. This Blog will delve into the compelling rationale behind the essential process...

Starting this summer, Medical Collections will start to be removed from millions of credit reports. The move will remove an estimated 70% of negative medical debt remarks, giving many a hopeful jump in credit scores! Here are the details of the new changes effective July 1, 2022:  Paid medical debt...

Hundreds of thousands of consumers are being bombarded with robo calls from scammers posing as collection companies or debt collectors  from attorney offices. Sometimes these calls go straight to voicemails  where these scammers are leaving very scary and intimidating messages  that a debt is owed.  The caller or message asks...

As a Credit Industry Professional for the last 16 years, I have preached to people to stop using the Free Credit Score and Free Credit Report websites. I say this to protect consumers from getting inaccurate and incomplete information from these sites and protect their rights to their personal information...