Scoreology, Author at Scoreology

The Value of Direct Creditor Letters

Friends,  Many Credit Repair Organizations communicate only with the bureaus. While this can be effective, often times it requires a bit more deliberate and pointed approach to get resolution. In this circumstance, we communicated with the bureaus and found there to...

Federal Reserve Raises Interest Rates By .25%

Greetings Friends! First off, my apologies for the lack of recent posts. Typically the holidays represent a time when we can catch up on things, as folks have a tendency to take a pause when it comes to their credit.  I don’t know if it’s the elections,...

Another Fair Credit Reporting Act Violation

Hello Friends,  wanted to share this with you. A clear cut example of a violation of the Statute of Limitations.  By our friends at Experian. It is rare they are this blatant. Typically they will re-age the account. However, in this case, it’s pretty straight...

Charged Off Accounts – How can they report???

Greetings friends, A little advanced credit reporting 101 here.  We get this question asked a lot: Can a creditor continue to report a charged off account every month?? And, if so, doesn’t this hurt my credit because it looks like it just happened?? Here’s...

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