tag:blogger.com,1999:blog-55801951208090248242024-03-05T00:16:48.398-08:00Credit Scoring Advisor - Education BlogCredit Education and Credit Repair Services by Daniel Sater
Nationally Recognized Credit Expert - 631-465-9565Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.comBlogger23125tag:blogger.com,1999:blog-5580195120809024824.post-71561312034178797222018-08-28T11:40:00.001-07:002018-08-28T11:40:27.430-07:0010 Surprising Things That Won’t Affect Your Credit Scores<!--[if gte mso 9]><xml>
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Many consumers are confused by what will affect their credit and worry about making a mistake that will lower their credit scores. Here are some of the things that do NOT affect your credit scores in any way.</div>
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<br /></div>
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Having good credit is essential for a healthy financial life. Not having good credit will not only cause you to be denied credit but will cause you to pay more for any credit you get, with lower limits, and deprive you of opportunities. Just considering a car loan, average credit card usage, and a mortgage, the increased costs for someone with poor credit over just 5 years, in comparison to someone with great credit, can be up to $39,000!!!</div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;">Your Income </b>– income is not factored into your credit scores. Actually, there are many people with excellent income that use credit poorly and have low scores.</div>
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">Your Education </b>– How much education you have or how great the school and ivy league school you may have gone to doesn’t boost your credit scores.</div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;">Your Address </b>-<b style="mso-bidi-font-weight: normal;"> </b>Although some zip codes throughout the country can have consumers with greater incomes, magnificent homes, and higher average credit scores makes no difference to your credit score. It is how you pay your bills and manage your credit that counts.</div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;">Pulling Your Own Credit</b> - I see so many people afraid to pull their credit for fear of the damage it might do to their credit scores. The only time a credit pull can damage your credit is when you actively apply for credit or a loan. YOU pulling your own credit report is considered a soft pull and NEVER affects your scores no matter how many times you may pull it.</div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;">Rent Payments </b>– Private landlords don’t generally have access to the credit bureaus and the large rental companies don’t report to the bureaus unless you leave a balance or do damage at the end of your rental.</div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;">Your Spouses Credit</b> – Everyone’s credit history is kept separately at the credit bureaus. The only time credit information will affect the other partner is when the borrowing is done jointly, or, if you co-sign for someone else.</div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;">Credit Counseling</b> – The FICO scoring model looks at credit counseling as a neutral event and does not remove points from your credit scores because you asked for help.<b style="mso-bidi-font-weight: normal;"> </b></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;">Insurance Payments</b> – Car insurance and homeowners insurance companies do not report to the credit bureaus. However, if you fail to pay your bill, a car insurance company can send your account to a collection agency that will report you as a collection to the bureaus.</div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;">Utility Bills</b> – Utility companies do not report you to the credit bureaus, so if you are late in paying you may have to pay a late fee but your credit won’t be damaged. You don’t want to be so late that the service gets charged off and sent to collections.</div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;">Debit Cards, Pre-Paid Cards</b> – I have been asked on numerous occasions about getting a debit card or a prepaid credit card to help boost one’s credit scores. It won’t help. Since there is no credit being extended, just a convenient way to use your own money, these cards are never reported to the credit bureaus.</div>
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<br /></div>
<div class="MsoNormal" style="text-align: center;">
~~~~~~~~~~~~~~~~~~~~~~~~~~</div>
<div class="MsoNormal" style="text-align: center;">
Credit Scoring Advisor provides credit repair across the US.<br />
contact us at 631-465-9565 for more information </div>
Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-74885663055355000862018-06-26T11:55:00.000-07:002018-06-26T11:55:04.426-07:00The Most Overlooked Area When Reviewing Your Credit Report<!--[if gte mso 9]><xml>
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Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
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<i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt; line-height: 107%;">By Daniel Sater, Nationally Recognized Credit Expert and Credit Expert Witness</span></i></div>
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When pulling your credit report, it is important for you to spend time reviewing your Personal Identifying Information (PPI) section of the report. A credit report has 5 components. This section with you name, addresses, phone numbers, social security number, and date of birth, among other personal information is the only section of a credit report that is not scored. So why should this be an important section for you to spend your time on? Because, it may alert you to reported items that is lowering your credit scores.</div>
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<b style="mso-bidi-font-weight: normal;">What to Look For</b></div>
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If someone is trying to use your identity, some information will show up in this information section. Are all the addresses listed belong to you, now, or in years past? Is there a social security number listed that does not belong to you? Is your name misspelled? These could be signs of someone misusing your credit for themselves – Identity Theft.<span style="line-height: 107%; mso-bidi-font-size: 12.0pt;"> If information reporting on your credit report is not yours, it may be the first clue that you are a victim of Identity Theft. If accounts not belonging to you are showing up on your credit report, you may have someone else’s account possibly damaging your credit scores.</span></div>
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<b style="mso-bidi-font-weight: normal;">How This Information Gets Placed on Your Credit Report</b></div>
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<span style="font-family: "Bookman Old Style",serif; font-size: 12.0pt;">The credit bureaus rely on identifying information to connect accounts that should be showing up on your credit reports. In their efforts to ensure that all accounts belonging to you are reported on your credit report, they use a fuzzy logic that is designed to consider human errors in the entry of data. For example, they only need to match the first two letters of your first name, a partial address match, or seven of the nine digits of your social security number to place an account onto your credit report. </span></div>
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<span style="font-family: "Bookman Old Style",serif; font-size: 12.0pt;">Removing false identifying information from your credit report will help to prevent accounts, not belonging to you from being added to your report. This can help reduce Identity Theft </span><span style="color: black; font-family: "Bookman Old Style",serif; font-size: 12.0pt; mso-bidi-font-family: Arial;">ensure that your credit doesn’t get mixed up with others, which commonly happens. </span></div>
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<i style="mso-bidi-font-style: normal;">At Credit Scoring Advisor, we will challenge the credit bureaus to delete these false reporting of personal information at no charge for our clients. Give us a call today 631-465-9565 to see how we may help you improve your credit scores. Visit our website… <a href="http://www.creditscoringadvisor.com/">www.CreditScoringAdvisor.com</a> </i></div>
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<i style="mso-bidi-font-style: normal;">Credit Scoring Advisor is a national credit repair company with an <b style="mso-bidi-font-weight: normal;">87.64% deletion rate </b>in 2017 that we have achieved for our clients.</i></div>
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Better Knowledge – Better Tactics- Better Results</div>
Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-31108091515652957472018-01-15T13:03:00.000-08:002018-01-15T13:03:24.630-08:00Don’t Keep Beating Yourself Up Over Past Poor Credit<!--[if gte mso 9]><xml>
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<i><span style="font-size: 11.0pt; line-height: 107%; mso-bidi-font-size: 10.0pt;">Daniel Sater - Nationally Recognized Credit Expert<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>1-10-2018</span></i></div>
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Many consumers give up on their credit when they have gone threw a tough time which caused their credit to be damaged. They somehow feel their credit is damaged forever. Not true. After all, you get a “New Life” after 7 years has past. No negative account can stay on for more than 7 years when it will drop off your credit report! (With the exception of Bankruptcy and some accounts under Federal law)</div>
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<b style="mso-bidi-font-weight: normal;">Over the Years Your Credit Will Improve Without You Doing Anything.</b></div>
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That’s right! As each year passes, the “mathematical predictability” of you defaulting on any account become less and less, meaning that you will have fewer and fewer points taken from your credit scores. This is how credit scoring models work. The more recent the event that caused damage, the more points you will lose.</div>
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<b style="mso-bidi-font-weight: normal;">An Example of How Credit Damage Works Over Time</b></div>
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When I was still doing mortgages, I had a couple come into my office with every account held jointly. The husband also had 27 collections and charged off accounts from 5 and 6 years prior. The difference in their scores caused by these 27 negative accounts? – Just 30 points was the difference in their credit scores. The damage diminishes rapidly over time.</div>
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<b style="mso-bidi-font-weight: normal;">The Sooner You Get Your Credit Back on Track…the More Money You Will Save; the Better Credit You Will Qualify For to Add to Your Credit Profile.</b></div>
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Although your credit life can be self-healing, it only happens over time. It is important to add new credit and dispute accounts that are inaccurate or incomplete. We have help thousands of clients remove damaging accounts resulting in re-building their credit scores.</div>
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<b style="mso-bidi-font-weight: normal;">Another Secret for Getting Back to Higher Credit Scores</b></div>
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Once you are in negative territory, you are only compared and scored against others who have a similar profile with damaged credit. Anything you do to separate yourself from those others, can get you better scores faster.</div>
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The key is reestablishing positive credit. Two ways you can do this if you have little remaining credit, is to become an Authorize User on a credit card of a family member and to open a Secured Credit Card, but, you will need to deposit a good amount of money in a savings account at the bank. Small amounts won’t do much for you or your credit.</div>
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<b style="mso-bidi-font-weight: normal;">Another Way…</b></div>
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You can also get a merchant card in your name reporting to all three credit bureaus with a $5,000 credit limit. Drop me a note at <a href="mailto:dan@CreditScoringAdvisor.com">dan@CreditScoringAdvisor.com</a> and I can send you the information sheet with a link to sign up.</div>
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<i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt;">We ARE the experts in Credit Repair. Our founder, Daniel Sater, is a Nationally Recognized Credit Expert, Speaker & Author, and a Certified FICO Professional who also trains and coaches numerous Credit Repair Companies across the country and speaks at industry conferences. We are the people that other credit repair companies go to for answers. </span></i></div>
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<i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt;">With Credit Scoring Advisor you get personalized, not computerized service from someone who will fight for you to improve your credit profile. Dan handles every file personally to ensure the best results for our clients. You have continued access throughout our process to a recognized credit expert. </span></i></div>
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<b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt;">Better Knowledge – Better Tactics – Better Results</span></i></b><span style="font-size: 10.0pt;"></span></div>
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<span style="font-size: 10.0pt;">We would love to hear from you, give us a call, 631-465-9565<span style="mso-spacerun: yes;"> </span></span></div>
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<a href="https://www.blogger.com/www.CreditScoringAdvisor.com"><span style="font-size: 10.0pt; line-height: 107%;">www.CreditScoringAdvisor.com</span></a><span style="font-size: 10.0pt; line-height: 107%;"></span></div>
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Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-44573004645513503652017-12-04T12:51:00.002-08:002017-12-04T12:53:59.527-08:006 Tips To Protect Your Credit Score During The Holiday Season!<div class="MsoNormal" style="line-height: normal;">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">At the end of the year, there is always a spike in consumer credit card spending as people prepare for the holiday season. Your holiday purchases can have a large impact on your credit score. A little bit of financial planning can keep these extra expenditures from damaging your credit.</span></div>
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mso-tstyle-colband-size:0;
mso-style-noshow:yes;
mso-style-priority:99;
mso-style-parent:"";
mso-padding-alt:0in 5.4pt 0in 5.4pt;
mso-para-margin:0in;
mso-para-margin-bottom:.0001pt;
line-height:107%;
mso-pagination:widow-orphan;
font-size:12.0pt;
mso-bidi-font-size:10.0pt;
font-family:"Bookman Old Style","serif";
color:black;
mso-themecolor:text1;}
</style>
<![endif]--> </span></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">In addition, you need to take some precautions to protect your credit from outside forces, especially during the holiday season. After all, they want to have a good holiday too, with your money!</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Here are a few tips to improve your credit for the time being and keep it looking good through the holidays.</span></div>
<div class="MsoListParagraph" style="line-height: normal; margin-left: .25in; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Make a Detailed Plan</span></b></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Review you Cash Flow and be honest with yourself. How much comes in and how much goes out. Make a list of whom, and how much you want to spend. Keep to your plan. You’ll be glad you did. Remember, this is the time of the year that we tend to get trapped in EMOTIONAL spending. </span></div>
<div class="MsoListParagraph" style="line-height: normal; margin-left: .25in; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -.25in;">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Check Your Credit</span></b><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Whether opening a new credit card or focusing on protecting your credit, the first thing you should do is check your credit. If you notice any problems or mistakes with your credit profile, now is the time to get it fixed. (</span><a href="http://www.creditscoringadvisor.com/"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">www.CreditScoringAdvisor.com</span></a><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">) Also, if you have a high number of inquiries on your credit report you may want to stay away from applying for new credit. </span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">You need to check, not only that the accounts that you have are reporting correctly, but that things that don’t belong to you are not on your report. Always check for wrong - addresses, date of birth, or social security numbers. These may indicate that someone is trying to use your credit.</span></div>
<div class="MsoListParagraph" style="line-height: normal; margin-left: .25in; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -.25in;">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Pay Down Your Debt</span></b><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">While checking your credit, you may have noticed some high balances on your loans or credit cards. If you’re looking to<b> improve your score</b> to apply for a new credit card, be sure to pay down your credit balances so you have the lowest credit utilization possible.</span></div>
<div class="MsoListParagraph" style="line-height: normal; margin-left: .25in; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-indent: -.25in;">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Ask for a Credit Limit Increase, or Apply for a 0% Interest Credit Card – if your credit is good.</span></b><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Call your credit card provider and ask if they will increase the limit of your credit card. This tactic will allow you to charge a little more on your credit cards without impacting your credit utilization rate. That being said, just because you have a higher limit doesn’t mean you should spend more. <b style="mso-bidi-font-weight: normal;">This move is for protecting your credit score, not getting extra money</b>. However, if the higher limit keeps you from maxing out your cards, then it will be worth it. Still, be careful not to spend too much as your credit cards carry high interest rates and you could end up paying a lot more for those holiday gifts.</span></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;">5)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Watch Out For Holiday Scams </span></b></div>
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"> </span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><br />
<div class="MsoNormal">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Scammers want to make a living too.</span></span></div>
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"> </span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><br />
<div class="MsoListParagraphCxSpFirst" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Bogus Websites</span></b><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"> – stay with recognized sites. If it sounds TOO GOOD it most likely is. They may look like your creditors or bank website but always check the web address. The address may have your creditors or banks name but look for another dot com address in the site address.</span></span></div>
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">
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<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Email Scams </span></b><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">– they are becoming more deceptive. It may appear to be coming from a friend or your bank but again, check the address it was sent from. You may be surprised. If you don’t recognize the email address, DON’T OPEN IT.</span></span></div>
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">
</span>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Fake Tech Support – </span></b><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">I got a call recently from Microsoft about spamming emails being sent from my computer. The guy knew a lot about my system. He knew the operating system and other information. I called Microsoft and they knew nothing about it. I was informed that they would NEVER call to tell me that.</span></span></div>
<span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Online Coupon Scams – </span></b><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">steer clear of these from companies you don’t know or haven’t heard of. They just want to get your information.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Anyone that wants you to pay via MoneyGram, Western Union or a Pre-Paid Card.</span></b><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto;">
<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">The pre-paid card is a favorite of the people running the IRS scam. They will never call, email or ask you to send money via a Pre-Paid Credit Card.</span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Oh…as one of my clients went through, no one from any court will call you up telling you that you have to appear in court this afternoon, or, if you want to avoid going to court, call the<span style="mso-spacerun: yes;"> </span>collection agency suing you to pay them to avoid a judgment. Court employee NEVER will call you either.</span></div>
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<div class="MsoListParagraph" style="margin-left: .25in; mso-add-space: auto; mso-list: l1 level1 lfo2; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="mso-list: Ignore;">6)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Points to Keep in Mind for After the Holidays…</span></b></div>
</span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><div class="MsoListParagraphCxSpFirst" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Pay down the highest interest credit cards FIRST.</span></b></div>
</span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"> <div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Especially after the Equifax hacking, you need <b style="mso-bidi-font-weight: normal;">to review each and every bank statement and credit card statement</b> to catch any possible fraudulent activity.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">You will lose points if you have high balances to credit limits on your credit cards.</span></b><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"> Max out 5 or 6 credit cards and you stand to pose 100 to 125 points off your credit scores.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">You will lose points for having balances on more than 4 credit cards.</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">You will lose points for opening too many credit cards too suddenly.</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">You will lose points for a higher total debt on your credit cards.</span></b></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Avoid Department store card giving you a 10% discount Today.</span></b><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"> These cards charge higher interest rates and will quickly eat up any savings you get today.</span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<br /></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ </span></div>
</span><span style="color: windowtext; font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">For more information call or email:</span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Credit Scoring Advisor Blog – Daniel Sater - Nationally Recognized Credit Expert & Credit Expert Witness</span></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">631-465-9565</span></div>
<div class="MsoNormal" style="text-align: justify;">
<a href="mailto:dan@CreditScoringAdvisor.com"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">dan@CreditScoringAdvisor.com</span></a><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"> </span></div>
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<a href="http://www.creditscoringadvisor.com/"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">www.CreditScoringAdvisor.com</span></a></div>
<a href="http://www.creditexpertwitness4u.com/"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">www.CreditExpertWitness4u.com</span></a><br />
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</span>Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-71619793263116470982017-09-29T11:17:00.000-07:002017-09-29T11:59:01.302-07:00The Equifax Hacking Just Keeps Getting Worse<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal" style="text-align: justify;">
<i style="mso-bidi-font-style: normal;">By Daniel Sater – Nationally Recognized Credit Expert and Expert Witness</i></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
On September 7<sup>th</sup> we learned about the hacking of 143,000,000 consumer’s personal credit information. What made it worst is that we learned that it started in mid-May! To make matters even worse, Equifax only discovered the data breach on July 21.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;">BUT…THERE’S MORE!!</b></div>
<div class="MsoNormal" style="text-align: justify;">
We now know that between the discovery and notifying the public, three executives sold their stock before the stock price dropped. It may be determined that this was an act of insider trading.</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Equifax decided to let consumers check to see if their information was part of the hacking. They created a website to check – <a href="http://www.equifaxsecurity2017.com/">www.equifaxsecurity2017.com</a>. Hackers who have been known to take advantage of things like this created a website of their own – <a href="http://www.securityequifax2017.com/">www.securityequifax2017.com</a>. The bigger problem…EQUIFAX STARTED REFERRING PEOPLE TO THE FAKE SITE!</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;">It Gets Better…NOT</b></div>
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It turns out that the hacking started ever earlier. It seems it started in March not in May. All that time, for 4 months, they didn’t even know the hacking was going on.<b style="mso-bidi-font-weight: normal;"> </b></div>
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I would imagine this might be due, in small part, to their head of cyber security who has two degrees…both in music composition! LOL</div>
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The CEO of Equifax decided to “retire”, after the Board of Directors told him that his services were no longer needed. He retires with $18,400,000 pension benefits.</div>
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A scheduled hearing with congress on the Equifax data breach never happened since Equifax decided not to show up.</div>
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<b style="mso-bidi-font-weight: normal;">What is Congress Doing About This?</b></div>
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The GOP lawmakers are quietly trying to deregulate the credit bureaus despite the hacking. They want to limit class-action lawsuits and limit damage awards to $500,000 and bar and Punitive Damages from being awarded.</div>
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<b style="mso-bidi-font-weight: normal;">You Can’t Make This Stuff Up!!</b></div>
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<b style="mso-bidi-font-weight: normal;">What You Need to Do</b></div>
You must be vigilant about your finances.<br />
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<span style="mso-bidi-font-family: "Bookman Old Style"; mso-fareast-font-family: "Bookman Old Style";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span>1 Put a free Fraud Alert on your file at all three credit bureaus</div>
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<span style="mso-bidi-font-family: "Bookman Old Style"; mso-fareast-font-family: "Bookman Old Style";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span>2 Get a free copy of your credit reports at <a href="http://www.annualcreditreport.com/">www.AnnualCreditReport.com</a> </div>
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<span style="mso-bidi-font-family: "Bookman Old Style"; mso-fareast-font-family: "Bookman Old Style";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span>3 Sign up for the Equifax free one-year monitoring service. (They no longer bar you from lawsuits or being part of a class-action lawsuit.)</div>
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<span style="mso-bidi-font-family: "Bookman Old Style"; mso-fareast-font-family: "Bookman Old Style";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span>4 If you can’t sleep at night…you can put a Credit Freeze on your file. It will cost you to do this at the other two bureaus. And, yes, you need to protect all three bureaus. This will prevent unauthorized pulling of your credit prior to granting credit by a new lender. If you want to apply for credit, you will need to temporally unblock it at a small addition cost for each credit application. <span style="color: windowtext; line-height: 107%; mso-bidi-font-size: 12.0pt;">You'll need to call each of the credit bureaus -- Equifax (1-800-349-9960), Experian (1‑888‑397‑3742) and TransUnion (1-888-909-8872)</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="line-height: 107%; mso-bidi-font-size: 12.0pt;"><a href="https://click.e.usa.experian.com/?qs=99efc8576a3ccc5bdbc2eb020d08aaeb31411641b10ea7cb2739cd66569f1ead5a9c9a7f02cc32ce87726250fba223df6509255625a8836a48bd714493318474" title="topic_text"><span style="color: #505050; text-decoration: none;">After the Equifax breach, watch out for phishing scams</span></a>,</span> FTC warns.</b></div>
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Scammers will be trying to get you to give up your personal information</div>
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<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span><b> They appear to come from trusted sources.</b> Phishing scammers are great mimics and fairly good psychologists.</div>
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<ul>
<li><b><span style="font-family: "symbol"; font-weight: normal;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b><span style="font-family: "bookman old style" , serif;">Never fill out and submit forms that appear in the bodies of email messages.</span></b></li>
</ul>
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<li><span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b><span style="font-family: "bookman old style" , serif;">Triple-check the address of any website requesting personal information.</span></b> </li>
</ul>
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<li><span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b><span style="font-family: "bookman old style" , serif;">Beware of requests for information the sender should already have.</span></b></li>
</ul>
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If you are a victim of Identity Theft – we can help. We have help many of our clients get back their good names and credit. Call us at 631-465-9565.</div>
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Credit Scoring Advisor</div>
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<a href="http://www.creditscoringadvisor.com/">www.CreditScoringAdvisor.com</a></div>
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<a href="mailto:dan@CreditScoringAdvisor.com">dan@CreditScoringAdvisor.com</a></div>
Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-27578306078402113072017-09-12T08:05:00.002-07:002017-09-12T08:12:45.513-07:00Equifax Announced that 143,000,000 of their Files have been Hacked<!--[if gte mso 9]><xml>
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<span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt; mso-bidi-font-weight: bold;">This hacking of Equifax can cause serious problems for you. Although this hack was discovered by Equifax July 29<sup>th</sup>, the actual hacking happened between Mid-May through July this year!</span></div>
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<span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt; mso-bidi-font-weight: bold;">Here is what you should do to protect yourselves from having your credit damaged by these hackers…</span></div>
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<b><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;">Go to </span></b><a href="http://www.equifaxsecurity2017.com/"><span style="font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;">www.Equifaxsecurity2017.com</span></a><b><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;"> to check the potential impact of your files being part of the hack.</span></b></div>
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<span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;">Get a free credit report</span></b><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;">. Federal law guarantees your one free credit report per year from the three major bureaus (yes, including Equifax). </span><a href="https://www.annualcreditreport.com/" target="_blank"><span style="color: blue; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;">Head to this website</span></a><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;"> to get your most-recent credit report and evaluate it to find any malicious activity. Look for unknown accounts, strange addresses reporting and especially review all inquiries. You can go to any other site that gives you a report from all three bureaus.</span></div>
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<b><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;">Set a fraud alert.</span></b><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;"> Anyone can sign up for a free, 90-day fraud alert. </span><a href="https://www.consumer.ftc.gov/articles/0275-place-fraud-alert" target="_blank"><span style="color: blue; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;">The FTC has information on how to do that here</span></a><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;">. Be sure to list a phone contact number.</span></div>
<div class="MsoNormalCxSpFirst" style="line-height: normal; margin-left: .5in; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; text-indent: -.25in;">
<span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;">Freeze your credit.</span></b><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;"> Credit freezes make it harder for criminals to open credit cards in your name. You'll need to call each of the credit bureaus -- Equifax (1-800-349-9960), Experian (1‑888‑397‑3742) and TransUnion (1-888-909-8872) -- to freeze your credit. Understand that doing this will make it harder for you to apply for credit. If you want to do so you will have to contact the bureaus with your pin number and pay a small fee to unlock your credit.</span></div>
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<span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">5)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;">Pull your credit report once every 6 months to ensure there are not any future problems.</span></b><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;"></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: normal; margin-left: .5in; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; text-indent: -.25in;">
<span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;"><span style="mso-list: Ignore;">6)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt; mso-bidi-font-weight: bold;">Equifax has offered to sign you up for their monitoring service free for one year. If you do this be aware that you will be forced to go through binding arbitration is you want to sue later and can’t become part of a class action suit. If you want a separate monitoring service, you can use this link to get a $10.00 per month discount on Identity IQ.<span style="mso-spacerun: yes;"> </span></span><a href="http://bit.ly/2pdLvxy"><span style="font-size: 16.0pt;">http://bit.ly/2pdLvxy</span></a><span style="font-size: 16.0pt;"><span style="mso-spacerun: yes;"> </span></span></div>
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<span style="font-size: 16.0pt;"><span style="mso-spacerun: yes;">~~~~~~~~~~~~~~~~</span></span></div>
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<i><span style="font-family: "" serif "" , "serif"; font-size: 10.0pt;">At Credit Scoring Advisor we ARE the experts. We specialize in Rapid Credit Repair for our clients. Our founder, Daniel Sater is a Nationally Recognized Credit Expert, Author, Public Speaker, and Educator as well as an Expert Witness on Credit Scoring, Credit Reporting and Credit Damages. In addition, Dan trains and Coaches numerous Credit Repair Companies across the country, he is a Certified C.E. Instructor for the Real Estate Industry for their continuing education credit. Mr. Sater is the Chairman of the Education Committee for NACSO – the trade association for the Credit Repair Industry. His last book, "The Top 20 Toxic Credit Mistakes" is available on the Credit Scoring Advisor website and Amazon Kindle.</span></i><span style="color: windowtext; font-family: "" serif "" , "serif"; mso-bidi-font-size: 12.0pt;"> </span><i><span style="font-family: "" serif "" , "serif"; font-size: 10.0pt;">He can be reached at 631-465-9565 or by e-mail at dan@CreditScoringAdvisor.com</span></i><span style="color: windowtext; font-family: "" serif "" , "serif"; mso-bidi-font-size: 12.0pt;">.</span></div>
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<span style="font-family: "" serif "" , "serif"; font-size: 10.0pt;">Better Knowledge – Better Tactics –Better Results</span><span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;"></span></div>
<span style="color: windowtext; font-family: "times new roman" , "serif"; mso-bidi-font-size: 12.0pt;"></span><br />Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-71844417844273082722017-08-18T12:14:00.000-07:002017-12-04T12:50:46.403-08:00Has a Company Been Damaging Your Credit Report and Scores?<!--[if gte mso 9]><xml>
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<span style="font-family: "calibri" , "sans-serif"; font-size: 10.0pt; line-height: 107%;">By Daniel Sater – Nationally Recognized Credit Expert & Credit Expert Witness</span></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">In repairing your credit, you may need more that a Credit Repair service. You might be better served by having a Credit Expert Witness on your side as well. It will give you the best of both world. The more tools that a credit expert has in his/her tool belt, the more likely will be your success.</span></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">If a creditor, collection agency or the credit bureaus break the law, and then fail to correct the error, they can be brought into court. Having someone who not only knows about credit scoring and credit repair but about the credit damage inaccurate reporting does can be a valuable tool. At this point you need a good Lawyer, and, a Credit Expert Witness.</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Tactics Used by the Credit Bureaus</span></b></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">One of the problems in repairing credit is the attitude of the credit bureaus. They will delay investigating your claims as long as they can, to slow down the process, and to make you so discouraged that you will just go away.</span></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">They really don’t care if the information reported is wrong and hurting you. As a matter of fact, the credit bureaus benefit from you having a lower credit score than you deserve. You see, they are really a data company. They sell data on groups of people that lenders use to market to consumers. The data and scores they sell tells the lenders what the performance risk of granting loans or extending credit.</span></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">If the scores are skewed showing you are a greater risk that you really are, they look good to their subscribers. Lenders price based on the risk of default for a specific group of people. If a consumer has a loan go bad, the lenders make a lot more money. Everyone is happy…except you of course.</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Collection Agencies and Lenders
aren’t any better. </span></b></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Some Collection
Agencies even fail to do an investigation because it takes time and they can’t
be bothered to investigate if the information is accurate or not. I know one
owner of a large collection agency who came in on Monday morning and just sent
back to the bureaus that everything was verified as correct without checking on
anything. As for some lenders, their mindset is, that if it shows in their
computer, it has to be correct, and offer little help sometimes in correcting
information that is being reported.</span></div>
<br />
<br />
<br />
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Having a Credit Expert Witness on Your Side</span></b></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">This is where a Credit Expert Witness comes in. As a Credit Expert Witness, I have helped companies from getting hit with excessive penalties in court, and helped individuals show the damage to their credit that was unjustly caused by companies that failed to report the account correctly. I just recently had a homeowner suffer through eight years of misreporting by a mortgage lender. When the final decision comes down on the damages, I imagine he could see an award of $500,000 to $700,000.</span></div>
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<br /></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">I have seen awards as high as $18,000,000 against a credit bureau causing unnecessary damage to a consumer credit report for over two years of misreporting, having failed to do a proper re-investigation.</span></div>
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<br /></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Having someone in your corner who is not only a true Credit Expert, but a Credit Expert Witness can greatly benefit you and help your attorney make the best case for damages.</span></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~</span></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">For more information call or email:</span></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Credit Scoring Advisor Blog – Daniel Sater - Nationally Recognized Credit Expert & Credit Expert Witness</span></div>
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<span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">631-465-9565</span></div>
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<a href="mailto:dan@CreditScoringAdvisor.com"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">dan@CreditScoringAdvisor.com</span></a><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"> </span></div>
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<a href="http://www.creditscoringadvisor.com/"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">www.CreditScoringAdvisor.com</span></a><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span></div>
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<a href="http://www.creditexpertwitness4u.com/"><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">www.CreditExpertWitness4u.com</span></a><span style="font-family: "calibri" , "sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"> </span></div>
Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-39434866161619281952017-05-18T10:33:00.001-07:002017-05-18T10:36:37.660-07:00Changes are Coming to Your Credit Scores<!--[if gte mso 9]><xml>
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<b><span style="font-family: "times new roman" , serif; font-size: 24.0pt;">Introducing
VantageScore 4.0</span></b><span style="color: windowtext; font-family: "times new roman" , serif; mso-bidi-font-size: 12.0pt;"></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 1;">
<span style="color: windowtext; font-family: "times new roman" , serif; mso-bidi-font-size: 12.0pt;">Billed as “Cutting-edge
technological advancements to deliver unmatched credit scoring accuracy” </span></div>
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<br /></div>
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<span style="color: windowtext; font-family: "times new roman" , serif; mso-bidi-font-size: 12.0pt;">Beginning September 24, 2016. Fannie Mae underwriting process
required TRENDED CREDIT DATA to be reported on credit reports.<b style="mso-bidi-font-weight: normal;">This was designed to better understand
Consumer Behavior and more accurately Predict Risk.</b> <b style="mso-bidi-font-weight: normal;"> </b></span></div>
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<span style="color: windowtext; font-family: "times new roman" , serif; mso-bidi-font-size: 12.0pt;">Trended Data is only being used by Fannie Mae and now Freddie
Mac to better define consumer risk on Mortgage Loans. Other lenders are NOT
using this Trended Data to make credit decisions and Trended Data is not being
scored in the FICO and VantageScore scoring models currently.</span></div>
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<br /></div>
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<b><span style="font-family: "times new roman" , serif; font-size: 16.0pt;">Changes are Coming</span></b><b><span style="font-family: "times new roman" , serif; font-size: 24.0pt;"></span></b></div>
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<span style="color: windowtext; font-family: "times new roman" , serif; mso-bidi-font-size: 12.0pt;">This may all change this fall!<span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;">VantageScore
in releasing a new version in the Fall of 2017 named VantageScore 4.0, in an
effort to get more lenders to use their scoring model instead of using the FICO
scoring models, especially by the Mortgage Industries.</b> This will be sold as
a better, and more accurate risk model for ALL lenders. </span></div>
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<span style="color: windowtext; font-family: "times new roman" , serif; mso-bidi-font-size: 12.0pt;">This is based on the analysis that consumers with balances on
their credit cards who pay minimum payments or who pay more but with an
increasing balance are 3 to 5 times riskier that Transactional borrowers who
pay off the balances each month. A consumer with decreasing balance will fair
somewhere in the middle. </span></div>
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<span style="color: windowtext; font-family: "times new roman" , serif; mso-bidi-font-size: 12.0pt;">This will potentially affect an ability to get credit limit
increases, and, will increase lender's profitability. It may make it harder to
get loans or, approval for new credit if you carry hefty balances, especially
if they show that the balances are increasing.</span></div>
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<b><span style="font-family: "times new roman" , serif; font-size: 14.0pt;">New Rules for Reporting and Scoring</span></b><b><span style="font-family: "times new roman" , serif; font-size: 18.0pt;"></span></b></div>
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liens, and public records.</span></li>
<li class="MsoNormal" style="color: windowtext; line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "times new roman" , serif; mso-bidi-font-size: 12.0pt;">Penalizes unpaid medical collections <b style="mso-bidi-font-weight: normal;">less </b>than other types of unpaid
collections,</span></li>
<li class="MsoNormal" style="color: windowtext; line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span style="font-family: "times new roman" , serif; mso-bidi-font-size: 12.0pt;">Ignores unpaid medical collections less than six
months old</span></li>
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collections) are excluded in the VantageScore 4.0 model</span></li>
<li class="MsoNormal" style="color: windowtext; line-height: normal; text-align: center;"><span style="font-family: "times new roman" , serif; mso-bidi-font-size: 12.0pt;">4.0 model leveraged <b style="mso-bidi-font-weight: normal;"><i>machine learning</i></b> techniques to better score
consumers with sparse credit histories (allow an additional 30 – 35
Million Consumers to have credit scores)</span></li>
</ul>
<br />
<div style="text-align: center;">
<span style="font-family: "times new roman" , serif;">~~~~~~~~~~~~~~~~~~~~~</span></div>
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<i style="mso-bidi-font-style: normal;"><span style="font-family: "times new roman" , "serif"; font-size: 10.0pt;">At Credit
Scoring Advisor we are the experts,<span style="mso-bidi-font-style: italic;">
specializing in Rapid Credit Repair for our clients. Our founder, Daniel Sater
is a Nationally Recognized Credit Expert, Author, Public Speaker, and Educator. In addition, Dan trains and Coaches
numerous Credit Repair Companies across the country, he is a Certified C.E. Instructor for the Real Estate Industry for their continuing
education credit. Mr. Sater is the Chairman of the Education Committee for
NACSO – the trade association for the Credit Repair Industry.<span style="mso-spacerun: yes;"> </span>His last book, "The Top 20 Toxic Credit
Mistakes" is available on the Credit Scoring Advisor website and Amazon
Kindle.</span></span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"> </span><i><span style="font-family: "times new roman" , "serif"; font-size: 10.0pt;">He
can be reached at 631-465-9565 or by e-mail at dan@CreditScoringAdvisor.com</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">.</span></div>
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<span style="font-family: "times new roman" , "serif"; font-size: 10.0pt;">Better Knowledge – Better Tactics
–Better Results</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"></span></div>
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<span style="font-size: 10.0pt; line-height: 107%;">By Daniel
Sater, Nationally Recognized Credit Expert and owner of Credit Scoring Advisor</span></div>
<div class="MsoNormal">
<span style="font-size: 10.0pt; line-height: 107%;">dan@CreditScoringAdvisor.com 631-392-8685</span></div>
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">You Need to Know What
You Are Getting.</b></div>
<div class="MsoNormal">
I’ve been in the finance and credit industry since 1997. I
have seen all types of people, of companies, and of claims of being the best –
that they ARE the EXPERT! </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
On the surface it is hard to imagine that everyone that
claims to be an expert, is an Expert. It’s a little like every supermarket
selling Prime Beef when in fact only 5% of all beef sold is actually PRIME! It
is important what qualifications are needed to be an expert and what benefits
you can expect from someone being an expert. Few experts really have the
credentials to truly be what most people would call an expert. There are some
guidelines you can use to be reasonably certain that you are dealing with
people who have the knowledge, talent and dedication to do the best for you.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">What Is the
Definition of an Expert? </span></b></div>
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<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">I have a simple definition of an Expert. An Expert is...<span style="text-transform: uppercase;">someone who knows more than you do about a
topic!</span> It is really very simple. If someone knows more than you, and
knows the buzz words in the industry, and have a gift of gab, most people will
regard them as an expert, <b style="mso-bidi-font-weight: normal;">even if what
they say is wrong! </b>You have no way of telling the difference.</span></div>
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Here are 10
Things You Need to Ask to Determine if You Are Dealing with a True Expert.</span></b></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">What exact
training or course of study have they taken?</span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Do they
have a continuous education program?</span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Do they
have a permanent office and address that they work out of?</span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Do they do
their own processing and custom letter writing or do they use a service that
does this for them?</span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">5)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">How long
have they been in business? Are they doing this full time?</span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">6)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">What proof
of results do they have to show you? (Testimonials and actual results
documents.) It is easy to get letters of praise from former clients; do they
have letters of recommendations from people in their industry also? </span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">7)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Do they
belong to an Industry Trade Association? </span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">8)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Are they
recognized for anything in their industry?</span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">9)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">In talking
with them, do you see an excitement, a passion, and pride for the work they do?</span></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">10)<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Have they
published a book on the topic or had articles written about them or quoting
them?</span></div>
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<br /></div>
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<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Asking these questions should serve you well. If you ask
technical question and feel uneasy about the answers or how they answered maybe
it would be best to research other companies.</span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">A true expert will be easy to look up on Google, Facebook and
other social media.</span></div>
Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-15762358407505570212014-11-13T09:48:00.002-08:002014-11-13T09:48:51.921-08:00It Is Not Always the Professional Identity Thief You Need Worry About<!--[if gte mso 9]><xml>
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Many consumers are surprised and shocked when they apply for
credit and the lender denies them credit due to negative information reporting
on their credit report. It’s even more traumatic if they learn that the
negative accounts are not even theirs! This is usually their first real
introduction into the world of Identity Theft.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
So many people are afraid to see what is on their credit
report or perhaps convinced that their credit is in perfect shape. According to
the Consumer Federation of America, 41% of consumers haven’t even pull their
credit report. Too many consumers equate looking at their credit report like a
journey to the dentist. They just don’t want to hear bad news. But acting like
an ostrich doesn’t make things go away, and, it set you up for some unpleasant
surprises.</div>
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<br /></div>
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There are three reasons to check your credit report AT LEAST
once every year.</div>
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<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u>Credit mistakes and data entry errors</u></div>
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The Federal Trade Commission did a study
indicating that in excess of 40,000,000 consumers will have errors on their
credit reports.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u>Mixed Files</u></div>
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Due to the method that the credit bureaus
compile your credit report, someone else’s credit information can easily be
reporting on your credit report. The 13 bits of information they search for don’t
even have to match exactly!</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><u>Identity Theft</u></div>
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We have all heard of the damage professional
identity thieves can do to you and the time, expense and effort it takes to fix
you good name. But, there is another group of people that cause the bulk of
Identity Theft…</div>
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<br /></div>
<div class="MsoNormal">
<u>It’s the people who are closest to you!</u></div>
<div class="MsoNormal">
I know you love your mother, your father, your brother, your
sister, your kids, your aunt, your uncle, your cousins, your niece, your
nephew, your grandparents, your grandkids, and, your friend who stayed with you
for three weeks last year. But these are the people closest to you. They know
your name, your address, your date of birth and have easy access to your credit
cards and social security number. Unfortunately, these are the ones that are
most likely, when under-the-gun, will use your identity. In my credit repair
practice, I see ten times the amount of Identity Theft by friends and relatives
than I do from the profession thieves. This type of Identity Theft can be
harder to correct.</div>
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~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~</div>
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Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-91697573513430679472014-09-22T13:17:00.000-07:002014-09-23T08:21:15.390-07:00The Shocking Truth About Poor Credit <!--[if gte mso 9]><xml>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPG9vaLt8D9bzP-gIYzjU7c0XHwdMwnFOplwnfarbxQs-ufo3r5nMNEFew-xTebVygoMvvSQgg5GDTH0i1xHAe4urAYpvJRG2tLnLHrItg7mI0p3nT8nPICXYV2sixGmrWPnTQ9UdxQWRg/s1600/Poor_Credit101.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPG9vaLt8D9bzP-gIYzjU7c0XHwdMwnFOplwnfarbxQs-ufo3r5nMNEFew-xTebVygoMvvSQgg5GDTH0i1xHAe4urAYpvJRG2tLnLHrItg7mI0p3nT8nPICXYV2sixGmrWPnTQ9UdxQWRg/s1600/Poor_Credit101.png" height="320" width="140" /></a></div>
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<b></b> </div>
<div class="MsoNormal">
Over the years, as a <a href="http://www.creditscoringadvisor.com/" target="_blank">credit expert</a> and an owner of a <a href="http://www.creditscoringadvisor.com/" target="_blank">credit repair</a> company, I’ve founds two things to be true. Most consumers fear checking
their credit reports, and the falsely believe the damage by late payments, or a
couple of collections, are no big deal. If this is you, this <a href="http://www.facebook.com/CreditScoringAdvisor" target="_blank">info-graphic</a>
may have you looking at damaged credit in a different light.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
First of all, it is extremely important to periodically
review your credit report every year. Not knowing what is there will only come
back to bite you when you need credit. Prior to applying for any major credit
you need to review your credit 2 to 3 months in advance so you have time to
correct mistakes, and have the credit reports updated. Most people don’t
realize that in addition to inaccurate entries or mistakes reporting on you
credit, it is all too easy for someone else’s information to creep into your
reports. Then there is the possibility of Identity Theft by someone using your
credit or applying for credit in your name without your knowledge.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The info-graphic show the huge cost of having poor credit
compared to someone with great credit. Consumers are shocked when I tell them
their first missed payment can cost the up to 110 points dropping from their
credit scores. Just maximizing out 5 or 6 credit cards can cost you up to 100
to 125 points with nothing negative being reported on the credit report. The
resulting higher interest rates drain money from your pockets, your family, and
your retirement.</div>
<div class="MsoNormal">
You need to monitor and protect your credit - it's all up to you. </div>
<div class="MsoNormal" style="text-align: center;">
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<i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt;">At <a href="http://www.creditscoringadvisor.com/" target="_blank">Credit Scoring Advisor</a> we are the experts,</span></i><i><span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"> specializing in Rapid Credit Repair for our clients. Our
founder, Daniel Sater is a Nationally Recognized Credit Expert. In addition,
Dan trains and Coaches numerous Credit Repair Companies across the country, he
is a Speaker, Author and Certified C.E. Instructor for the Real Estate Industry
for their continuing education credit. Mr. Sater is the Chairman of the
Education Committee for <a href="http://www.nacso.org/" target="_blank">NACSO</a> – the trade association for the Credit Repair
Industry. <span style="mso-spacerun: yes;"> </span>His last book,<a href="http://amzn.to/1eVnAFq" target="_blank"> "The Top20 Toxic Credit Mistakes"</a> is available on the Credit Scoring Advisor
website and Amazon Kindle.</span></i><span style="font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"> </span><i><span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">He can be reached at 631-392-8685 or by e-mail at dan@CreditScoringAdvisor.com</span></i><span style="font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">.</span></div>
<div align="center" class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: center;">
<span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Better
Knowledge – Better Tactics –Better Results</span></div>
#creditrepair #poorcredit @CreditScoringAdvisor<br />
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<br /></div>
Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-79275521517718659842014-05-16T22:42:00.001-07:002014-05-16T22:42:05.424-07:00How can you fix errors on your credit report?<iframe width='420' height='315' src='http://www.youtube.com/embed/8cPcxy8l8Qw' frameborder='0' allowfullscreen></iframe><p>Learn how you can fix errors on your credit report.</p>
<p></p>
Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-17925220804460287032014-03-14T12:54:00.000-07:002014-03-14T12:54:06.310-07:00WARNING - Minor Credit Glitches Can Devastate Your Credit Scores<!--[if gte mso 9]><xml>
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<span style="font-size: 12.0pt; line-height: 115%;">The Federal
Trade Commission did a recent study of credit reports showing many errors are
still reporting on the consumer credit reports. They found that over 40,000,000
consumers have inaccuracies and errors on their credit report, lowering their scores.</span></div>
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<br /></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Many people
have an almost lethargic attitude about their credit paying little attention
until it is too late. What they don’t realize is that this apathetic approach
can cost them thousands of dollars! Does this sound familiar?</span></div>
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<br /></div>
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<span style="font-size: 12.0pt; line-height: 115%;">If you have
great credit, the damage is even more pronounced. ..</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 14.0pt; line-height: 115%;">One late payment or even a small forgotten
medical or utility bill, popping up suddenly on your credit report, can cost
you over a 100 point loss on your credit score. You can go from a prime
borrower to a sub-prime borrower in the blink-of-an-eye. </span></b></div>
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<br /></div>
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<span style="font-size: 12.0pt; line-height: 115%;">The damage
can come quickly, but it will be a long time for you to get those lost points
back! In fact, it can take many years if you follow the advice of the credit
bureaus. </span></div>
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<br /></div>
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<span style="font-size: 12.0pt; line-height: 115%;">What is
worse is that poor credit can cost you many thousands of wasted dollars in car,
credit card and/or mortgage payments – EVERY YEAR! A damaged credit car loan
can cost you $5,000 to $10,000 over a five year repayment plan. One client of
mine told me of a car he bought with a sub-prime loan for $19,500 . It ended
costing him $31,000 to pay it all back! Miss payments on a credit card; some
credit card companies are charging a penalty rate of 31.9% yearly. <span style="mso-spacerun: yes;"> </span>That is almost a third of the cost of what you
bought. Pay the minimum payment and it can take you 27 years, or more, to pay
it all back.<span style="mso-tab-count: 1;"> </span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">Protecting,
maintaining, or re-building your credit is so very important to your financial
future. You need to pay attention far more than most of us do currently. Check
your credit report and review it thoroughly, at least every year. Don’t close
credit cards, especially older cards. Keep your balances low and apply
sparingly for new credit. And, if you do have damaged credit, it pays to
consult an expert who can guide you, educate you, and get more results more rapidly
than you can trying to navigate in an area you know little about.</span></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<span style="font-size: 12.0pt; line-height: 115%;">---------------------------------------------------------------------------------------------------------</span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">We ARE the experts in
Credit Repair. Our founder, Daniel Sater, is a Nationally Recognized Credit
Expert, Speaker & Author, and a Certified FICO Professional who also trains
and coaches numerous Credit Repair Companies across the country and speaks at
industry conferences. We are the people that other credit repair companies go
to for answers. </span></i></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">With Credit Scoring
Advisor you get personalized, not computerized service from someone who will
fight for you to improve your credit profile. Dan handles every file personally
to ensure the best results for our clients. </span></i><i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt;">You have continued access throughout our
process to a recognized credit expert. </span></i><i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Better Knowledge – Better Tactics –
Better Results </span></i><span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">We
would love to hear from you, give us a call, 631-392-8685 <span style="mso-spacerun: yes;"> </span></span></div>
<span style="font-size: 10.0pt; line-height: 115%;"><a href="https://www.blogger.com/www.CreditScoringAdvisor.com"><span style="mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">www.CreditScoringAdvisor.com</span></a></span>
Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-80804815016443219582014-01-28T13:25:00.001-08:002015-04-22T09:50:17.049-07:00A NEW WAY TO QUICKLY BOOST YOUR CREDIT SCORES<!--[if gte mso 9]><xml>
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<![endif]--><span style="font-size: 12.0pt; line-height: 115%;">Repairing
ones credit has always been a mystery to most people. Most of us have learned
the hard way how quickly their credit can be damaged due to the smallest of
credit mistakes. They soon realize that although their scores can drop quickly,
it takes a long time to rebuild it back up, years in fact. Now, there is a new
tool to help those needing a quick boost.</span>
<br />
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<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">How Important are Credit Card to Your
Scores?</span></b></div>
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<span style="font-size: 12.0pt; line-height: 115%;">One thing
that most don’t realized is the importance that revolving credit has on their
credit report. Having credit cards are scored by FICO under the Credit
Utilization section of your credit report. Basically the scoring model looks at
how much credit you have (credit limits) and how much you use. A great deal of
the points earned are based on the ratio of your outstanding debt, as reported
once a month, to your credit limits. You are scored on individual accounts, and,
the total sum to total of your credit limits. According to FAIR ISAAC Corp.,
this area accounts for approximately (<i style="mso-bidi-font-style: normal;">for
the General Population</i>) 30% of your total credit score. <i style="mso-bidi-font-style: normal;">(Yes, this number can vary based on which of
the ten scorecards you are placed in prior to a score being generated. More on
that in another article.) </i>Of this 30%, credit cards alone account from 10%
to 20% of the TOTAL credit score, (depending on what else is on the credit
report). The impact is less if you already have good credit or a number of
active credit card accounts.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Installment Loans</span></b></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">Although
installment loans are scored they make up a small percentage of the total
points. This is due to the payments being fixed and paid down based on a
schedule. No one expects you to pay off those loans at a more rapid rate. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">The Impact of Credit Cards on Your
Credit Report</span></b></div>
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<span style="font-size: 12.0pt; line-height: 115%;">What does
have a major impact are credit cards. They are unsecured, and the usage is
under the complete control of the consumer. High usage and low credit limits
affect the scores negatively. The FICO scoring model looks for a consumer
having, ideally, 2 or 3 cards to base the score on. If someone has no credit
cards, or only one, the model has little to score and points are lost. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">Unfortunately,
many consumers fail to establish new credit after a bankruptcy, job loss, or
other financial crisis thinking if they don’t have the cards to begin with, it
can’t hurt them. But it does. This is why we became excited when a mid-western
company started a new “merchant card” service. The problem with the merchant
cards in the past was they seldom lasted very long. One credit bureau after
another denied them the ability to report to their bureau. Some ended up
reporting to only one bureau. This is little help for people needing to
re-establish new credit. They have found a way to solve this problem. A
“merchant account” reports to the credit bureau like a MasterCard or Visa but
can only be used on that merchant’s website. We have seen jumps of 25 to 50 or
60 points for most of our clients and in some cases up to 100 points!</span></div>
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<span style="font-size: 12.0pt; line-height: 115%;">If you are
interested in finding out all the particulars and apply for this card, e-mail
us at </span><a href="mailto:info@CreditScoringAdvisor.com"><span style="font-size: 12.0pt; line-height: 115%;">info@CreditScoringAdvisor.com</span></a><span style="font-size: 12.0pt; line-height: 115%;"> and we will e-mail the info to you
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<span style="font-size: 12.0pt; line-height: 115%;"><i style="mso-bidi-font-style: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">We ARE the
experts in Credit Repair. Our founder, Daniel Sater, is a Nationally Recognized
Credit Expert, Speaker & Author, and a Certified FICO Professional who also
trains and coaches numerous Credit Repair Companies across the country and
speaks at industry conferences. We are the people that other credit repair
companies go to for answers. </span></i><span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"></span></span></div>
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<i style="mso-bidi-font-style: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">With
Credit Scoring Advisor you get personalized, not computerized service from
someone who will fight for you to improve your credit profile. Dan handles
every file personally to ensure the best results for our clients. You have
continued access throughout our process to a recognized credit expert. Better
Knowledge – Better Tactics – Better Results </span></i><span style="font-family: "Times New Roman","serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span></span><span style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";"><a href="https://www.blogger.com/www.CreditScoringAdvisor.com"><span style="color: blue;">www.CreditScoringAdvisor.com</span></a></span></div>
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Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-33717863484014056202013-10-04T13:53:00.000-07:002013-10-04T13:54:15.723-07:00The REAL Damage of the Gov't Shutdown - Destroyed Credit<!--[if gte mso 9]><xml>
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While members of congress are attempting to put their spin
on the government shutdown, 800,000 federal workers are furloughed without pay,
meals-on-wheel won’t be there for people in need, head-start programs will no
longer teach and supervise the children of single working women who may have to
quit their jobs. And, this is only a partial list.</div>
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Many tea party members in congress think it’s a good idea to
shut down the government. With a member of the House of Representatives making
$174,000 per year, and half of them being millionaires already, they can’t seem
to relate to the damage their action cause everyday Americans.</div>
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<br /></div>
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The longer the shutdown continues the damage increases
exponentially. Some extreme members of congress refuse to say whether federal
employees would get back pay after the shutdown is over. But, even IF everyone
is paid retroactively, the REAL damage will have been done and have a long
lasting effect.</div>
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<span style="font-size: 12.0pt; line-height: 115%;">If this
shutdown goes on for over a month, most workers who live paycheck-to-paycheck
will start missing payments on their credit accounts and mortgages. Anyone with
great credit can see their credit standing drop 100 points or more for missing a single payment. They may
very well go from prime to sub-prime borrowers overnight. More damaging, it
will take 4 to 7 years for their credit scores to recover.</span></div>
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<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span>These hard working Americans will now have the
“privilege” of paying 14 – 18% for their car loans.</div>
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<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Their credit card rates will go up to 22% to 29%
or more for the foreseeable future. </div>
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<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Many will be denied for a mortgage loan.</div>
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<br /></div>
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It is one thing to stand on ones principles; it is another
to destroy the lives of Americans who can least afford it. I seriously doubt if
Congress has thought of the REAL damage being done to the credit and the
quality of life of the people of the country. Oh well, they still have their
salary.</div>
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~~~~~~~~~~~~~~~~~~~~~~~~~~</div>
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<i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">We ARE the experts in
Credit Repair. Our founder, Daniel Sater, is a Nationally Recognized Credit
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<i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">With Credit Scoring
Advisor you get personalized, not computerized service from someone who will
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to ensure the best results for our clients. </span></i><i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt;">You have continued access throughout our
process to a recognized credit expert. </span></i><i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">We know how to get the best results. </span></i><span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span></span></div>
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<span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Get
my new e-book on Amazon </span><span style="font-size: small;"><span class="userContent"><a href="http://amzn.to/1eVnAFq" rel="nofollow nofollow" target="_blank">http://amzn.to/1eVnAFq</a></span></span></div>
<br />
<br />Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-80995507400211123072013-09-26T12:39:00.002-07:002013-09-26T12:39:24.536-07:00Did You Know That Most Credit Scores are Fake?<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Bookman Old Style","serif";"> </span></b><span style="mso-bidi-font-weight: normal;"><span style="font-family: "Bookman Old Style","serif";">(The following is an excerpt from my new e-book available on Amazon. You can get your copy at </span></span><span class="userContent"><a href="http://amzn.to/1eVnAFq">http://amzn.to/1eVnAFq</a> )</span></div>
<div class="MsoNormal" style="text-indent: 0in;">
<br /></div>
<div class="MsoNormal" style="text-align: center; text-indent: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Bookman Old Style","serif";">TOXIC MISTAKE # 3</span></b><span style="font-family: "Bookman Old Style","serif";"><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="text-align: center; text-indent: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Bookman Old Style","serif";">Not Knowing That Most Credit Scores
are Fake!</span></b><span style="font-family: "Bookman Old Style","serif";"></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Bookman Old Style","serif";">Surprised,
aren’t you? Actually there are only two credit scoring models that measure your
credit risk that are legitimate. They are the <u>FICO credit score</u> and the <u>Vantage
credit score</u>. The vast majority of lenders use the FICO scoring model when
granting or denying you credit. Only about 6% of lenders use the Vantage model.
Auto dealers and mortgage lenders always use the FICO scores.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Bookman Old Style","serif";">So
where are the rest of the credit scores that are FAKE? They are the scores given
to you by companies spending a great deal of money to pull you in so they can
sell you Credit Monitoring.</span></div>
<div class="MsoNormal">
<span style="font-family: "Bookman Old Style","serif";">If you
go to:</span></div>
<table border="0" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; margin-left: 4.65pt; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184; width: 408px;">
<tbody>
<tr style="height: 18.75pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.0pt;" valign="bottom" width="103"><br /></td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.0pt;" valign="bottom" width="207">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">FreeCreditScore.com</span></div>
</td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 74.0pt;" valign="bottom" width="99">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">Fake</span></div>
</td>
</tr>
<tr style="height: 18.75pt; mso-yfti-irow: 1;">
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.0pt;" valign="bottom" width="103"><br /></td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.0pt;" valign="bottom" width="207">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">FreeCreditReport.com</span><span style="color: black; font-size: 7.0pt;"></span></div>
</td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 74.0pt;" valign="bottom" width="99">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">Fake</span></div>
</td>
</tr>
<tr style="height: 18.75pt; mso-yfti-irow: 2;">
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.0pt;" valign="bottom" width="103"><br /></td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.0pt;" valign="bottom" width="207">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">FreeScore.com</span></div>
</td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 74.0pt;" width="99">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">Fake</span></div>
</td>
</tr>
<tr style="height: 18.75pt; mso-yfti-irow: 3;">
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.0pt;" valign="bottom" width="103"><br /></td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.0pt;" valign="bottom" width="207">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">CreditKarma.com</span></div>
</td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 74.0pt;" valign="bottom" width="99">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">Fake</span></div>
</td>
</tr>
<tr style="height: 18.75pt; mso-yfti-irow: 4;">
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.0pt;" valign="bottom" width="103"><br /></td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.0pt;" valign="bottom" width="207">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">Credit.com</span></div>
</td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 74.0pt;" valign="bottom" width="99">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">Fake</span></div>
</td>
</tr>
<tr style="height: 18.75pt; mso-yfti-irow: 5;">
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.0pt;" valign="bottom" width="103"><br /></td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.0pt;" valign="bottom" width="207">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">Experian.com</span></div>
</td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 74.0pt;" valign="bottom" width="99">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">Fake</span></div>
</td>
</tr>
<tr style="height: 18.75pt; mso-yfti-irow: 6;">
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.0pt;" valign="bottom" width="103"><br /></td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.0pt;" valign="bottom" width="207">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">TransUnion.com</span><span style="color: black; font-size: 7.0pt;"></span></div>
</td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 74.0pt;" valign="bottom" width="99">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">Fake</span></div>
</td>
</tr>
<tr style="height: 18.75pt; mso-yfti-irow: 7;">
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.0pt;" valign="bottom" width="103"><br /></td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.0pt;" valign="bottom" width="207">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">Equifax.com</span></div>
</td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 74.0pt;" valign="bottom" width="99">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">Fake</span></div>
</td>
</tr>
<tr style="height: 18.75pt; mso-yfti-irow: 8; mso-yfti-lastrow: yes;">
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 77.0pt;" valign="bottom" width="103"><br /></td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.0pt;" valign="bottom" width="207">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">Etc…</span></div>
</td>
<td nowrap="" style="height: 18.75pt; padding: 0in 5.4pt 0in 5.4pt; width: 74.0pt;" valign="bottom" width="99">
<div align="left" class="MsoNormal" style="line-height: normal; text-align: left; text-indent: 0in;">
<span style="color: black; font-family: "Bookman Old Style","serif";">Fake</span></div>
</td>
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<br /></div>
<div class="MsoNormal">
<span style="font-family: "Bookman Old Style","serif";">Not
only do the men in tights/musicians/bike riding/driving a run-down car want to
give you a FAKE credit score to lure you to sign up for an overpriced credit
monitoring service, but even the three national credit bureaus want to sell you
their own proprietary scoring model (so they don’t have to pay the FICO royalty
fees).</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Bookman Old Style","serif";">The
problem is that these scoring models can be up to 80 or 100 points higher or
lower than the credit score used by your lender. <b>I call these scores, FAKO
scores, because NO lenders use them to determine your credit risk.</b> If you can
find the small print, you would see that it tells you that these scores are for
“educational purposes” and that, “your lender may (read as: ALWAYS) use a
different model”. Here is what is in the fine print for one of the credit
bureaus:</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 27.0pt; margin-right: 27.0pt; margin-top: 0in;">
<span style="font-family: "Bookman Old Style","serif";">“The
credit score provided under the offers described herein make use of the Equifax
Credit Score™ which is a proprietary credit model developed by Equifax. It may
be calculated using the information in your Equifax, Experian and TransUnion
credit files. This score is intended for your own educational use. There are
numerous credit scores and models available in the marketplace and lenders are
likely to use a different score when evaluating your creditworthiness.”<span style="mso-spacerun: yes;"> </span><i style="mso-bidi-font-style: normal;">Equifax.com</i></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Bookman Old Style","serif";">So how
do you get your real FICO score? (The one most lenders use)</span></div>
<div class="MsoNormal">
<span style="font-family: "Bookman Old Style","serif";">Unfortunately
there are few options.</span></div>
<div align="left" class="MsoNormal" style="line-height: normal; margin-bottom: 12.0pt; margin-left: .5in; margin-right: 27.0pt; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 261.0pt; text-align: left; text-indent: -.25in;">
<span style="font-family: "Bookman Old Style","serif"; mso-bidi-font-family: "Bookman Old Style"; mso-fareast-font-family: "Bookman Old Style";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Bookman Old Style","serif";">If you are turned down for a
loan, a lender now has to give you the actual score that was used (and the
credit bureau)</span></div>
<div align="left" class="MsoNormal" style="line-height: normal; margin-bottom: 12.0pt; margin-left: .5in; margin-right: 27.0pt; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 261.0pt; text-align: left; text-indent: -.25in;">
<span style="font-family: "Bookman Old Style","serif"; mso-bidi-font-family: "Bookman Old Style"; mso-fareast-font-family: "Bookman Old Style";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Bookman Old Style","serif";">If you apply for a mortgage you
will receive all three of your FICO scores as required by law.</span></div>
<div align="left" class="MsoNormal" style="line-height: normal; margin-bottom: 12.0pt; margin-left: .5in; margin-right: 27.0pt; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 261.0pt; text-align: left; text-indent: -.25in;">
<span style="font-family: "Bookman Old Style","serif"; mso-bidi-font-family: "Bookman Old Style"; mso-fareast-font-family: "Bookman Old Style";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Bookman Old Style","serif";">You can get a FICO score with
your report at Equifax, BUT IT’S NOT EASY! First, go to
www.equifax.com/home/en_us, Click on “Personal Solutions”, then <b style="mso-bidi-font-weight: normal;">double click</b> on “Equifax Products”,
then click on “View All Products”, then, go to the bottom of the page and click
on “Score Power®” and follow the instructions.</span></div>
<div align="left" class="MsoNormal" style="line-height: normal; margin-bottom: 12.0pt; margin-left: .5in; margin-right: 27.0pt; margin-top: 0in; mso-list: l0 level1 lfo1; tab-stops: 261.0pt; text-align: left; text-indent: -.25in;">
<span style="font-family: "Bookman Old Style","serif"; mso-bidi-font-family: "Bookman Old Style"; mso-fareast-font-family: "Bookman Old Style";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Bookman Old Style","serif";">You can go to <b style="mso-bidi-font-weight: normal;">www.myfico.com</b> and go to the bottom of
the first or second page and under the 2<sup>nd</sup> column, click on “FICO
Standard” and you can order all three credit bureau reports and FICO credit
scores. Be careful. They will try to sell you expensive credit monitoring if
you click on anything else. Every few week it seems they change their landing page. You want to look for "FICO Standard", where you can order just the report and score. Sometimes it on the first page.</span></div>
<div class="MsoNormal">
<span style="font-family: "Bookman Old Style","serif";">If you
need to get your Vantage scores go to www.AnnualCreditReport.com. This site was
authorized by law and set up by the bureaus to give you a FREE copy of your
credit report ONCE each year from all three bureaus. Unfortunately the law did
not call for you to get a FREE credit score once each year. You can buy your
Vantage scores on the site for $7.95 per bureau. Remember, these are NOT the
FICO credit scores that are used by most lenders.</span></div>
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<br /></div>
<div class="MsoNormal">
<span style="font-family: "Bookman Old Style","serif";">It
must be noted that there are additional scoring models being used. Many large
lenders/banks use their own internal scoring models that you, the consumer,
will never have access to. They may rely on these instead or in addition to the
FICO and /or Vantage models.</span></div>
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<span style="font-family: "Bookman Old Style","serif";">~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ </span></div>
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<![endif]--><i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">We ARE the experts in
Credit Repair. Our founder, Daniel Sater, is a Nationally Recognized Credit
Expert, Speaker & Author, and a Certified FICO Professional who also trains
and coaches numerous Credit Repair Companies across the country and speaks at industry
conferences. We are the people that other credit repair experts go to for
answers. </span></i>
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<br /></div>
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<i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">With Credit Scoring
Advisor you get personalized, not computerized service from someone who will
fight for you to improve your credit profile. Dan handles every file personally
to ensure the best results for our clients. </span></i><i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt;">You have continued access throughout our
process to a recognized credit expert. </span></i><i style="mso-bidi-font-style: normal;"><span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">We know how to get the best results. </span></i><span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span></span></div>
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<span style="font-size: 10.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">We
would love to hear from you, give us a call, 631-392-8685 <span style="mso-spacerun: yes;"> </span></span></div>
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<div class="MsoNormal">
Most consumers will apply get a loan for new home, car or
have the need for a new credit card, only to find that their application has
been turned down. They learn, too late, that they have poor credit. They never
checked their credit report prior to applying. 41% of consumers have <u>never</u>
checked their credit report and credit scores according to the Consumer
Federation of America. Do you really know what is on your credit report and
what your REAL credit scores are? The Federal Trade Commission recently
conducted a survey only to learn that over 40,000,000 consumers have credit
mistakes on their credit reports. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
You credit score will drop quickly if you have new negative
entries on your credit accounts but doesn’t it seem to take forever for the
scores to go back up? Part of what contributes to this is that your mistakes (or
someone else’s mistakes) can stay on your credit file for 7 to 10 years. While
they are there, they will cause your scores to be lower than they could be.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Most people have read the advice that FICO, the credit
Bureaus, and many news articles have told what must be done. I call it “the
FICO Mantra”.</div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Pay your bills on time (and get current on ones
that are not current)</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Don’t apply for new credit unless needed</div>
<div class="MsoListParagraphCxSpLast" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
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</span></span></span>Keep your balances low on your credit cards (or
pay down your balance)</div>
<div class="MsoNormal">
All good advice, but this advice will not get your credit
scores to jump back up for a long, long time.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
What many consumers don’t realize is that mistakes on your
credit report can’t be corrected immediately. The process takes time. You need
time to go after any errors well in advance of applying.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
And, to make matters worse, the updating process is out of
the middle ages. You see, when your credit is pulled, what you are seeing can
be 15 to 45 days old! Creditors only update their files once a month. If you
paid an account off one day after they reported to the bureaus, the old balance
will be reporting for at least one month. If this balance was close to the
credit limit for a credit card you will still be losing points off your credit
scores.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
You need to review you credit well in advance of applying
for major purchases to be able to take action to correct mistakes and for your
accounts to be reporting the status most advantageous to your credit scores.</div>
<div align="center" class="MsoNormal" style="text-align: center;">
-----------------------------------------------------------------------</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 10.0pt; line-height: 115%;">We ARE the
experts in Credit Repair. Our founder, Daniel Sater, is a Nationally Recognized
Credit Expert, Speaker & Author, and a Certified FICO Professional who also
trains and coaches numerous Credit Repair Companies across the country and
speaks at industry conferences. With Credit Scoring Advisor you get
personalized, not computerized service from someone who will fight for you to
improve your credit profile. Dan handles every file personally to ensure the
best results for our clients. We know how to get the best results. 631-392-8685 www.CreditScoringAdvisor.com<br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
</span></div>
<div class="MsoNormal">
<br /></div>
Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-21531736658293729432013-06-21T11:28:00.000-07:002013-06-21T11:46:34.468-07:00How Realtors are Losing Thousands of Dollars Every Year<!--[if gte mso 9]><xml>
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<i style="mso-bidi-font-style: normal;">By Daniel Sater, CCE,
CFP</i></div>
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As a Realtor you work hard to find potential buyers.<span style="mso-spacerun: yes;"> </span>Here are some of the statistics:</div>
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<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>In 2012, the typical agent had 12 residential
transaction sides.</div>
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<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Today, 1 of every 3 consumers has credit scores
so low they won’t qualify for a mortgage.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>According to NAR, for the third year in a row,
the difficulty in obtaining mortgage financing was the most cited reason for
potential clients being limited.</div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>In a recent survey, the percentage of Realtors
that follow up and referred their potential credit challenged clients for
credit repair was 0%!!</div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Throughout the US, 3 of every 10 credit repair
referrals came back to buy a home within 6 months.</div>
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The math is simple. All you need do is follow up with your
potential buyers that don’t credit qualify for a mortgage and instead of
dropping them, <span style="mso-spacerun: yes;"> </span>give them hope and help
them find a way fix their problems. Be pro-active and let them know you’re on
their side. You most likely will get a second chance to sell them a new home
and add $15,000 to $30,000 to your income by helping others. </div>
<div class="MsoNormal">
____________________________________________________________________</div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Daniel Sater,
Nationally Recognized Credit Expert at Credit Scoring Advisor is a credit repair
expert, speaker and author on credit repair and the FICO scoring model. He can
be reached at 631-392-8685</i></div>
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<br /></div>
Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-66458830785768752402013-05-21T12:09:00.000-07:002013-05-21T12:09:55.302-07:00Why it is Hard to Remove Collection Accounts<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 16.0pt; line-height: 115%;">Why is it so hard to remove
collection accounts? </span></b></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">You send in a
dispute letter to the three national credit bureaus because you don’t recognize
the collection account on your credit report. Almost 30 days later you receive
an updated report from each bureau stating that the account is, “verified as
belonging to you”, or that, “This item has been reported correctly”. You have
no more information than you did before. You’re confused. At this point some
people give up; some send another dispute thinking the results will be
different. If all this happens, you are among the lucky ones.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">The credit bureaus are not on your
side.</span></b></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">The bureaus
have a vested interest in not having your credit report changed or your credit
scores improved. Their real clients, the ones that give them the vast amount of
profit, are their subscribers – your creditors. They continuously purchase tons
of your personal credit information to make decisions who to market to and who
to watch or cut off.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">Stalling Tactics</span></b></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">This is why
they send form letters stating things like, “We’re sorry we are unable to honor
your request – we need more proof of your address (or, the proof you sent is
not legible, or some such nonsense). We’ve sent clear copies that are enlarged
(for the reading impaired -LOL) and still get this letter. Now and then they
just don’t reply hoping you will forget about them. If you continue to pursue
them you have lost at least another 45 days! It is all done to get you to give
up and build your frustration so you won’t ever try again. Besides, who has the
time?<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">The credit bureaus don’t always do
their jobs.</span></b></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">One day, a
client came in with an order from a judge vacating a Judgment in 2008. You
would think all you had to do was send the bureaus a letter with the document
and, presto, the judgment would be removed. After the bureaus coming back TWICE
that the account was accurate and verified, I wrote a strongly worded and
threatening custom letter that finally got it removed. How they verified a
judgment that no long existed is disturbing to say the least.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">The bureaus are not the only ones
playing games.</span></b></div>
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<span style="font-size: 12.0pt; line-height: 115%;">I have an
acquaintance that use to own a large collection agency. At one of the national
conferences for the credit repair industry, he confided in me that every Monday
when he came into the office, he would go onto <b style="mso-bidi-font-weight: normal;">e-Oscar</b>, (<span class="st">Online Solution for Complete and Accurate
Reporting)</span> the software owned by the credit bureaus to communicate back
and forth with the data furnishers. He would reply to every dispute from the
credit bureaus that the account information was verified as accurate. What he
received was a two or three digit code that stood for a specific dispute, and,
would send back the code stating the account was verified. He usually took all
morning to do this without so much as peeking at any of the accounts. If you
sent along documents supporting the dispute, they are never transmitted by the
bureaus. I informed him this was an illegal activity. He argued, but eventually
admitted it wasn’t quite the right thing to do. If he was taking this short cut
how possible is it that others are doing the same? The mentality of some of
these collection agencies, that are huge in size, is; if we can get away with
it, so what – prove we didn’t investigate your dispute. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 12.0pt; line-height: 115%;">A new breed of Collection Agencies</span></b></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">It used to
be that Collection Agencies got a percentage of the moneys collected. Today,
more and more companies are pursuing a new model – they are debt BUYERS. Known
as Junk Debt Buyers they buy huge amounts of consumer debt for pennies on the
dollar! One company in a three month period purchased $2.3 BILLION dollars of
consumer debt for $121,000,000. Another had, as of last September held more
than 34,000,000 individual accounts and paid only 2.54 percent of their
original $42 Billion dollar value. There is just too much profit at stake.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">A more
recent trick is to ask YOU to provide them all information, (even on accounts
that are not yours). It is THEIR job to prove the debt, not yours.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">With all
these tactics is it any wonder anyone can get inaccurate or unverifiable
information off their credit reports as required by consumer credit laws. The
average consumer has little chance. This is why there is a need for
Professional Credit Repair Companies like our company, <b style="mso-bidi-font-weight: normal;">Credit Scoring Advisor</b>, to even the playing field and aggressively
go after tradeline that should be removed. We average 70.2% success rate on removal of the accounts we go after.</span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span>--------------------------------------------------------------------------------------------------------</span></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">At Credit Scoring
Advisor we are the experts. We have trained and coached many credit repair
companies throughout the United States and Daniel Sater, our founder, has
spoken at numerous trade conferences on credit scoring and credit repair and
have created several certification exams for the industry. You have continued
access throughout our process to a recognized credit expert. Give us a call for
a free consultation at 631-392-8685.</i></div>
<div class="MsoNormal">
<br /></div>
Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-25185978573624766692013-05-03T09:36:00.000-07:002013-09-26T12:40:38.023-07:00 Frustrated by Mortgage Closing Delays by an “IN DISPUTE” account? <!--[if gte mso 9]><xml>
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<br />
<h2 style="margin-top: 0in;">
<span style="font-size: small;">Frustrated by Mortgage Closing Delays Caused by an Account Being “IN DISPUTE”?</span>
</h2>
<div class="MsoNormal">
<span style="font-size: 10.0pt; line-height: 115%;">by Daniel
Sater – Nationally Recognized Credit Expert<span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span>631-392-8685<span style="mso-spacerun: yes;"> </span><a href="http://www.creditscoringadvisor.com/">www.CreditScoringAdvisor.com</a></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The mortgage industry has gone through numerous challenges,
changes, and restrictions over the past 5 years but it is pure frustration to
have the “IN DISPUTE” notation come up at the last minute delaying a closing,
and worse, cause possible anger and frustration on the part of the home buyer.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">Homebuyers Seldom
Check Their Credit Before Applying for a Mortgage</b></div>
<div class="MsoNormal">
This situation happens more time than we would like to see
due to the mortgage application and credit pull being the first time many
buyers have looked at their credit reports and scores. In the US it is
estimated that about 40,000,000 credit reports have errors or misleading
information on them.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
It is at this point that home buyers start writing the credit
bureaus or hire a professional credit repair companies to assist them in
removing inaccurate, incomplete or unverifiable information from their credit
report as provided for by the consumer laws. If an account isn’t deleted the
“IN DISPUTE” notation will stay with it forever. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">The Requirement to Remove
all “IN DISPUTE” Notations</b></div>
<div class="MsoNormal">
Recently, Fannie Mae and Freddie Mac have decided that this
notation has skewed the FICO scores and demanded that this notation must be
removed.<span style="mso-spacerun: yes;"> </span>One of the problems is that their
assumptions are wrong. There are two dispute notations; the first one is a
temporary notation the credit bureau reports during investigation which
suspends the scoring model from scoring the negative information. With the new
software used to communicate between the bureaus and the data furnishers this
may last 5 days. If the creditor verifies the information as accurate they will
add a permanent notation of “IN DISPUTE”. Even with this notation the negative
information is now scored! </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;">How To Remove the “IN
DISPUTE” notation quickly.</b></div>
<div class="MsoNormal">
A simple letter to the creditor stating that, “This account
is not in dispute. Please remove the Compliance Condition Code “XB” from
reporting.”</div>
<div class="MsoNormal">
This is the code at the credit bureau that enters on your
report “Acct information disputed by consumer under FCRA” and “IN DISPUTE”. If
you send a letter to the credit bureaus most likely they will refer you to the
creditor and take no action.</div>
<div class="MsoNormal">
We do this for our credit repair clients seeking a mortgage
all the time, and now, any mortgage professional can do the same for their home
buyer.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: x-small;"><i>Daniel Sater is a Nationally Recognized Credit Expert who founded Credit Scoring Advisor, a national credit repair company specializing in Rapid Credit Repair for their clients. In addition Dan trains and Coaches numerous Credit Repair Companies across the country, he is a Speaker and Author. He last book, "The Top 20 Toxic Credit Mistakes" is available on the Credit Scoring Advisor website.</i></span> <span style="font-size: x-small;"><i>He can be reached at 631-392-8685</i></span>.</div>
<div class="MsoNormal">
<br /></div>
Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-20135372978192474942013-04-25T08:53:00.001-07:002013-05-23T14:42:51.290-07:005 Deadly Mistakes to Avoid When Looking for a New Home<!--[if gte mso 9]><xml>
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<span style="font-size: large;"><b><span style="font-family: Verdana,sans-serif;"><u><span style="line-height: 115%;">5 Deadly Mistakes
to Avoid When Looking for a New Home</span></u></span></b></span></div>
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<br /></div>
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<b><span lang="EN" style="font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-font-kerning: 18.0pt;">By
Daniel Sater C.C.E CFP </span></b></div>
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<span style="font-size: x-small;"><i><span lang="EN" style="line-height: 115%;">Nationally Recognized Credit Expert, Author,
Speaker, and Credit Coach to the Credit Repair Industry</span></i></span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: x-small;"><b><span lang="EN" style="line-height: 115%;">631-392-8685 www.CreditScoringAdvisor.com ©2012 CREDIT SCORING ADVISOR</span></b></span></div>
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<br /></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 36.7pt; text-indent: -0.25in;">
<span style="font-size: small;"><b><span lang="EN" style="line-height: 115%;">1)<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></b><b><u><span lang="EN" style="line-height: 115%;">Not Paying Down Credit
Card Accounts with Balances in Advance of Applying for Credit</span></u></b></span></div>
<span style="font-size: small;">
</span><br />
<div class="MsoListParagraphCxSpLast" style="margin-left: 36.7pt;">
<span style="font-size: small;"><span lang="EN" style="line-height: 115%;">The credit scoring model
takes 30 to 60 day to reflect what you do today and Mortgage lenders will no
longer allow you to pay off credit cards to improve your debt to income ratios.
This area accounts for approximately 30% of your credit score. I have seen more
damage done in this area due to the consumer’s lack of knowledge. As you use
more of your credit limit you lose more points from your score. Max out 5 or 6
credit cards and <b>you may lose 80 to 125
points</b>. Paying down your credit balances is one of the fastest ways to
boost your scores. The best is to have your balances below 10% usage prior to
applying for new credit or a big ticket item.</span></span></div>
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</span><br />
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<br /></div>
<span style="font-size: small;">
</span><br />
<div class="MsoListParagraphCxSpFirst" style="margin-left: 36.7pt; text-indent: -0.25in;">
<span style="font-size: small;"><b><span lang="EN" style="line-height: 115%;">2)<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></b><b><u><span lang="EN" style="line-height: 115%;">Closing Accounts, or not
Using Credit Card Accounts to Keep them Active.</span></u></b><b><span lang="EN" style="line-height: 115%;"> <br />
</span></b><span lang="EN" style="line-height: 115%;">According to Fair
Isaac, the people who developed the FICO Scoring Model, ALL account reporting
on your credit report are scored, OPEN OR CLOSED. There is little distinction
between open and closed accounts. You NEVER get a scoring benefit by closing
tradelines. <b>Closing a tradeline will
NEVER help your scores but can only lower your score. So will not using or
having Credit Cards.</b></span></span></div>
<span style="font-size: small;">
</span><br />
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<span style="font-size: small;"><span lang="EN" style="line-height: 115%;">In addition to the effect
on your <span class="klink">debt</span> to available credit ratio, you also run
the risk of shortening your credit history. Over time, these closed accounts
will drop from your report, eliminating a good account and reducing the number
of accounts you have successfully had. </span></span></div>
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</span><br />
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<br /></div>
<span style="font-size: small;">
</span><br />
<div class="MsoListParagraphCxSpFirst" style="margin-left: 36.7pt; text-indent: -0.25in;">
<span style="font-size: small;"><b><span lang="EN" style="line-height: 115%;">3)<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></b><b><u><span lang="EN" style="line-height: 115%;">Missing Payments</span></u></b></span></div>
<span style="font-size: small;">
</span><br />
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 36.7pt;">
<span style="font-size: small;"><span lang="EN" style="line-height: 115%;">For some reason
people get complacent when paying bills and don’t thinks one slip means that
much. If your score is high, (>750<b>)
one missed payment will cost you 80 to 110 points</b>. (Good News! If your
score is already 550 you might lose on 10 to 20 points.) A rule of thumb, the
more recent the more damage will be done. Also, the more severe (90 days late
vs 30 days late) and/or the more frequent the lower your score. It doesn’t
matter if it’s $10.00 of $10,000. If you have missed a payment, bring it
current as soon as possible.</span></span></div>
<span style="font-size: small;">
</span><br />
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<br /></div>
<span style="font-size: small;">
</span><br />
<div class="MsoListParagraphCxSpLast" style="margin-left: 36.7pt; text-indent: -0.25in;">
<span style="font-size: small;"><b><span style="color: black; line-height: 115%;">4)<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></b><b><u><span style="color: black; line-height: 115%;">Apply for New Credit of Any Kind.</span></u></b><span style="color: black; line-height: 115%;">
Including those “You have been pre-approved” credit card invitations
that you receive in the mail. Every time
that you have your credit pulled by a potential creditor or lender, you lose
points from your credit score immediately.
Depending on the elements in your current credit report, you could lose
anywhere from 2- 15 points for one hard inquiry. New Credit will also change
your scores.</span></span></div>
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</span><br />
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<br /></div>
<span style="font-size: small;">
</span><br />
<div class="MsoListParagraph" style="margin-left: 36.7pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: small;"><b><span style="color: black; line-height: 115%;">5)<span style="-moz-font-feature-settings: normal; -moz-font-language-override: normal; font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></b><b><span style="color: black; line-height: 115%;">PAYING OFF COLLECTIONS OR CHARGE
OFFS</span></b></span><span style="color: black; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-size: small;"> during the process
thinking they will be removed from your credit report or improve your score. IT
WON’T HELP. This is where a Professional Credit Restoration firm with the
knowledge and skills can help Boost your Scores. We average a 70% deletion
record. Give us a call. 631-392-8685</span></span><br />
<span style="color: black; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-size: small;"> -----------------------------------------------------------------------------------------------------------------------</span></span><br />
<span style="color: black; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="font-size: small;"><span style="font-size: x-small;"><i>Daniel Sater is a Nationally Recognized Credit Expert
who founded Credit Scoring Advisor, a national credit repair company
specializing in Rapid Credit Repair for their clients. In addition Dan
trains and Coaches numerous Credit Repair Companies across the country,
he is a Speaker and Author. He last book, "The Top 20 Toxic Credit
Mistakes" is available on the Credit Scoring Advisor website.</i></span> <span style="font-size: x-small;"><i>He can be reached at 631-392-8685</i></span>. </span></span></div>
Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0tag:blogger.com,1999:blog-5580195120809024824.post-37415645083438817942013-04-18T09:06:00.000-07:002013-05-23T14:40:35.092-07:00The Truth About Credit Repair Companies<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;">The Truth about
Credit Repair Companies</b></div>
<div class="MsoNormal">
Many people have advised you to be wary of Credit Repair
Companies. You were told that they can’t remove accurate tradelines, and that
almost all negative entries will stay on the credit report for 7 years. Repairing
you credit takes time. They go on to tell you that anything Credit Repair
Companies can do, you can do for yourself at little or no cost. They imply and
sometimes actually say that Credit Repair is only a scam. </div>
<div class="MsoNormal">
What you should know is that all the characterization comes
originally from Fair Isaac Corp., the developers of the FICO Scoring Model, and
the three main credit bureaus. So methodical was their campaign that the State
Attorney Generals, the Federal Trade Commission, various consumer groups, and
the clueless media credit experts and reporters that gain their “knowledge”
from news services and staff that research the topic by contacting the people
who are creating the lies to begin with, and then, accepted their words without
question. To prove their point, they hold up the scam operations that have
ripped off the public. What they don’t tell you is that every industry has
their share of unethical people. They even have influenced congress to write
what I believe are restraint-of-trade laws that state, if you use or consult a
credit repair company they can view your dispute as “frivolous”.</div>
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Why have they done this you ask? Changes to the credit model
costs them money. In fact, they have a vested interest in you having credit
scores lower than they should be. Their subscriber (your creditors), make more
money off your debts that way. They are actually afraid of what credit repair
companies have been able to do for their clients.</div>
<div class="MsoNormal">
Professional credit repair companies are able to achieve
better and faster results for their clients due to their experience and
training.<br />
--------------------------------------------------------------------------------------------------------------------- </div>
<div class="MsoNormal">
<span style="font-size: x-small;">At Credit Scoring Advisor we are the experts. We have
trained and coached many credit repair companies throughout the United States
and have spoken at numerous trade conferences on credit scoring and credit
repair and have created several certification exams for the industry. You have
continued access throughout our process to a recognized credit expert. Give us
a call for a free consultation at 631-392-8685.</span></div>
Anonymoushttp://www.blogger.com/profile/05491721953104799752noreply@blogger.com0Melville, NY, USA40.7934322 -73.41512139999997540.6972472 -73.576482899999974 40.889617199999996 -73.253759899999977tag:blogger.com,1999:blog-5580195120809024824.post-59516079491065315322013-04-18T08:40:00.001-07:002013-05-23T14:45:14.760-07:00Mistakes You Can't Afford to Make with a Debt Collector<!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:TargetScreenSize>800x600</o:TargetScreenSize> </o:OfficeDocumentSettings> </xml><![endif]--><br />
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<i><b style="mso-bidi-font-weight: normal;"><span style="color: blue; font-family: "Century","serif"; font-size: 18.0pt; font-style: normal; mso-bidi-font-style: italic;">Mistakes You Can't Afford to Make with a Debt Collector</span></b></i></div>
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<i><b style="mso-bidi-font-weight: normal;"><span style="color: blue; font-family: "Arial","sans-serif"; font-size: 10.0pt; font-style: normal; mso-bidi-font-style: italic;">By Daniel Sater CCE, Certified FICO Professional </span></b></i></div>
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<br /></div>
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<i><span style="font-family: "Arial","sans-serif"; font-style: normal; mso-bidi-font-style: italic;">Avoid these mistakes when dealing with a debt collector. Here is what you need to know: </span></i></div>
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<i><span style="font-family: "Arial","sans-serif";"> </span></i></div>
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<b style="mso-bidi-font-weight: normal;"><u><span style="color: blue; font-family: "Arial","sans-serif";">#1 Mistake:</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Arial","sans-serif";"> Giving a debt collector your banking or credit card information.</span></u></b></div>
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<span style="font-family: "Arial","sans-serif";"> If you tell a collector to take $75 per month out of your account and at some point in the future they empty your account, you’re screwed. Why? Because the collector is going to say you gave them permission and it becomes at best a “he says, she says” type of situation. Any attorney will tell you you don’t have much of a case against them. <i style="mso-bidi-font-style: normal;">NEVER</i> give a collector you credit card or bank information. Send a money order instead. Best to get the money order from a bank you don’t use.</span></div>
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<span style="font-family: "Arial","sans-serif";">Never do Check-by-Phone or Western Union</span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><u><span style="color: blue; font-family: "Arial","sans-serif";">#2 Mistake:</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Arial","sans-serif";"> Sending money to a debt collector without getting paperwork FIRST,</span></u></b><span style="font-family: "Arial","sans-serif";"> </span></div>
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<span style="font-family: "Arial","sans-serif";">showing who they are, what you owe, how they arrived at that figure, who the original creditor and what was the original amount. It also pays to ask if they were assigned the debt or if the bought the debt. (Ask for papers showing their authority to collect for the creditor).</span></div>
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<span style="font-family: "Arial","sans-serif";">Don’t let them intimidate you. You have what they want – the money. Believe me, it’s all about the money and getting it as soon as possible. You have the upper hand; ask for them to prove the facts. If they cross the line you can threaten them with a lawsuit, and that you will notify the BBB, their States Attorney General and the Federal Trade Commission FTC.</span></div>
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<span style="color: blue; font-family: "Arial","sans-serif";"> <b style="mso-bidi-font-weight: normal;"><u>#3 Mistake:</u></b></span><b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Arial","sans-serif";"> Not showing up in court, or answering a court suit, when served.</span></u></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif";"> </span></b></div>
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<span style="font-family: "Arial","sans-serif";">If you don’t appear, you automatically receive a default judgment. It goes on your record for seven years as a judgment. It will continue to accrue interest and depending on your state can follow you for ten years and possibly be renewed for an additional ten years. Many attorneys file a suit in court because they know you likely will not show up (90% don’t show), so it’s an easy payday for them, they've done their part by submitting the paperwork. The judge thinks, the consumer doesn't care, why should I? He’ll even add on court cost.</span></div>
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<span style="font-family: "Arial","sans-serif";"> <b style="mso-bidi-font-weight: normal;">NEVER ignore a lawsuit</b>; we can help you with referrals to local consumer law professionals. Don’t tell me you can’t afford a lawyer, you have no idea how easy it is to hire one. It can be a lot more expensive not to. </span></div>
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<span style="font-family: "Arial","sans-serif";">REMEMBER, even if the Statues of Limitation has expired barring them from getting a judgment, if you don’t show up, the Judge won’t question how old the account is and issue a judgment. Once the judgment is on your record, it can be enforced. You must be there to claim an affirmative defense regarding the Statutes of Limitation or you lose. </span></div>
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<b style="mso-bidi-font-weight: normal;"><u><span style="color: blue; font-family: "Arial","sans-serif";">#4 Mistake:</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Arial","sans-serif";"> Signing an agreement or legal document without consulting with an attorney.</span></u></b><span style="font-family: "Arial","sans-serif";"> </span></div>
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<span style="font-family: "Arial","sans-serif";">Don't do it, even if you are threatened. Again, get in touch with us; you have options, let’s discuss them.</span></div>
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<b style="mso-bidi-font-weight: normal;"><u><span style="color: blue; font-family: "Arial","sans-serif";">#5 Mistake:</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Arial","sans-serif";"> Failure to dispute the validity of the debt and dispute any credit bureau reporting</span></u></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif";">.</span></b><span style="font-family: "Arial","sans-serif";"> These are important steps in protecting your rights, invoking the federal laws that protect you and making these bottom feeders back up their claims. We can offer you Dispute Validation Forms, credit disputing tips and access to the brightest consumer law professionals in the country. Debt collectors have to abide by the law, make them realize you know your rights, make them work for it.</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: blue; font-family: "Arial","sans-serif";">#6 Mistake<u>:</u></span></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span>Document everything, phone call times and dates and who called. Request that all communication is done in writing.</span></u></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span></span></b></div>
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<span style="font-family: "Arial","sans-serif";">It can take most of the possibility of intimidation and threats out of the conversation. It’s the best way to keep a record of conversation.</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: blue; font-family: "Arial","sans-serif";">#7 Mistake:</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif";"><span style="mso-spacerun: yes;"> </span><u>Thinking paying off a debt will automatically remove it from your credit report.</u> </span></b></div>
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<span style="font-family: "Arial","sans-serif";">All you will have is a paid collection, that is paid. You will avoid al lawsuit, and, your file being sold to yet another collector who will hound you for money.</span></div>
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<span style="font-family: "Arial","sans-serif";">If you request that payment will have them remove the item reported, get the agreement in writing FIRST.</span></div>
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<i><span style="font-size: x-small;"><span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">At Credit Scoring Advisor, we are the Experts. We have helped thousands of clients reach the goal of buying a home, a new card or just be able to get credit cards for everyday use. </span></span></i></div>
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<i><span style="font-size: x-small;"><span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">Daniel Sater has trained and coached numerous Credit Repair Companies across the country to have a better understanding of how the FICO scoring model works and how to get the best results in repairing their client’s credit. We are proud members of NACSO the Credit Repair Industry’s Trade Association.</span></span></i></div>
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