Credit Repair and Info Blog

Ed-Jack Dvorak is a credit expert at Scoreology, a national credit restoration company based in the United States. He works with clients and creditors to improve credit profiles and loves to share his knowledge with others.

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...

Collection Account Deleted – No Apologies

Greetings Creditphiles – (that’s a new word) I present to you today another deletion from our friend at Stellar Recovery, which begs the question, their ‘recovery’ isn’t so ‘stellar’ after all.  In this particular case, we...

Credit Repair: When is the right time?? 

Greetings Friends,  ​You may have stumbled across this page because you are wanting to learn more about the prospects of credit repair and if so, welcome! We get a lot of call from folks from all over the country. Many of whom would like us to start investigating...

August 24th, 2016

‘Hello friends,  This one is going to be a bit of ‘stream of consciousness’ writing; so hopefully it will make sense in the end.  On the minds of many American’s (mine too) is the economy.  The older I get, the less I care about peanut butter...

Back to School Kids!!

Hello Friends,  While many of us have been eyeing the calendar waiting for that day when our loved ones would once again return to school and a sense of normalcy returns to the house. No more late night tv zombies, dog days of summer and unmitigated spending.  I am...

Credit Repair and You

Gang, I was talking to one of my clients today… actually about five minutes ago. He’s been with us for a while. A long while. He’s a school teacher. I like school teachers. Nurses too. In general, folks who have determined that they have a higher...

Bad Credit and Limitations of Life

Hello Friends,  I got a call from a client yesterday. She’s been with us for about 75 days. She called in frantically because her and her husband were slated to take one of their kids to a soccer tournament with a few other kids. They needed to rent a car for...

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