by Scoreology | Dec 8, 2015 | Building Credit, Credit Education, Credit Report, Credit Reporting Agencies, Credit Restoration, Credit Score, Good Credit, Scams
Hello Friends! This entry is mostly for those folks out there that have been told by someone at some company, “We will get your credit score to 700 in 4 months!’ (without anyone looking at the report, mind you). They are lying. They may, in fact, be able...
by Scoreology | Sep 20, 2015 | Building Credit, Credit Cards, Credit Education, Credit Restoration, Good Credit
Friends,Part of our process – A BIG part of our process – is to build credit. Remember, the credit report is a mix (usually) of both good and bad information. The bad information may be in the form of collection accounts; charge off account; late payments;...
by Scoreology | May 17, 2015 | Good Credit, Uncategorized
Here’s a good parent right here – Scotty, owner and CEO of Credit Dr. He’s doing the very best he can to provide for his little one. And it looks like it’s working. Hopefully one day he’ll catch a fish. Ha! Friends, Scott and I were...
by Scoreology | May 5, 2014 | Building Credit, Credit Education, Credit Report, Credit Restoration, Credit Score, Debt Ratio, Good Credit, Uncategorized
Debt ratio is the difference between the amount of debt you have charged versus the amount of money the credit card has authorized for you to use, or your credit limit. The difference is your debt ratio. This can also be referred to as revolving (credit card) credit...
by Scoreology | Apr 7, 2014 | Car Ownership, Good Credit, Loans, Mortgages
A credit score may seem like an arbitrary number, calculated by an invisible credit agency with no real bearing on your life. However, bad credit can cost your real money. To get an idea of just how much money you can lose due to bad credit, take a look at the...
by Scoreology | Jan 6, 2014 | Building Credit, Credit Report, Credit Score, Good Credit, Uncategorized
1. GET RID OF YOUR COLLECTION ACCOUNTS.Did you know that paying a collection account can actually reduce your score? Here’s why: credit scoring software reviews credit reports for each account’s date of last activity to determine the impact it will have on the...
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