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Why do Cars cost so much?

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...

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CFPB Report Confirms Credit Reporting of Medical Debt is a Racial Justice Issue

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...

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Medical debt on your credit report may soon disappear!

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...

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Collection Company Scam Alert!

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...

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STOP using Free Sites!

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...

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