Mortgages

• Mortgage eligibility
• Loan to Value
• Mortgage Insurance
• Rent/Leases

Insurance

• Insurance premiums
• Car Insurance
• Home Owners Insurance
• Why it matters

Employment

• Better Score; Better Job

Interest Rates

• Mortgages
• Automobile
• Credit card
• Store Financing

The Credit Reporting Industry

• The History of Credit Reporting
• The "Big 3" Credit Reporting Agencies
• Resellers of Credit Reports
• How Information Gets Reported
• Fair Isaac Corporation (FICO)
• Fair Credit Reporting Act
• Fair and Accurate Credit Transactions Act

How to Read a Credit Report

• What is a Credit Report?
• The History of Credit Reports
• What Makes Up a Credit Report?
• Credit Reporting Agencies
• How Do Items Get Reported?
• How Long Are Items Reported?
• Serious Errors in Credit Reporting
• Which Inquiries Hurt and How Do They Get on My Credit Report?
• Prescreened Credit Offers

Mechanics of Credit Scoring

• How is a Credit Score Formulated?

Members Only

• Why Credit Scores?
• Who is FICO?
• Fair Isaac Corporation Speaks Out
• Credit Card Debt Affects Score
• How Do Inquiries Affect Score?
• Different Types of Scores
• What is a Good Credit Score?

Credit Management Principles

• How Many Trade Lines Should You Have
• Recentness of Account Activity
• Length of Payment History
• Managing Revolving Debt - Credit Cards & Lines of Credit
• Late Payments – What You Need to Know
• How Inquiries Affect Your Score
• Paying Collections or Defaulted Accounts
• Your Debt-to-Income Ratio (DTI) Impacts Loan Approval

Credit Restoration

• What is Credit Restoration?
• How Credit Restoration Works
• What to Expect From Credit Restoration
• About Judgments & Tax Liens and Restoring Your Credit
• Comparing Credit Repair Companies
• Rapid Rescoring Can Be A Quick Fix
• Fair Credit Reporting Act (FCRA)
• Fair & Accurate Credit Transactions Act (FACTA)
• Credit Repair Organizations Act (CROA)

Establishing Positive Credit

• Why Establish New Accounts?
• How to Establish New Accounts
• Active vs. Closed Accounts
• When Not to Apply For Credit

 

 

Debt Validation

• What is Debt Validation?

Members Only

• The Debt Validation Process
• Prove a Debt Collector is in Violation and Win $1000
• Do's & Don'ts of Debt Validation
• Pro's & Con's of Debt Validation
• Sample Letters
• Fair Debt Collection Practices Act

Debt Settlement

• What is Debt Settlement?
• Statute of Limitations

Members Only

• Hiring a Debt Settlement Company - The Fees
• Hiring a Debt Settlement Company - The Risks
• The Debt Settlement Process
• Do's and Don'ts
• Pro's and Con's
• What is Your Best Option?
• Sample Letters

Credit Counseling

• What is Credit Counseling?

Members Only

• How Credit Counseling Works
• Why Most Plans are Bad
• Warning Signs - Tips For Consumers
• When its Appropriate to Utilize Credit Counseling
• How Does Credit Counseling Compare to a Chapter 13 Bankruptcy?
• Impact on Credit Scores and Financial Approval

About Chapter 7 Bankruptcy

• What is Bankruptcy?
• How a Chapter 7 Works - Rules
• How a Chapter 7 Works - Process
• Should You File for Bankruptcy?
• Impacts of Bankruptcy on Your Credit Report and Score
• Reaffirmation - Assets you Want to Keep
• Common Mishaps and Selecting a Good Attorney

 

Judgment

• What it is
• How it happens
• What to expect and do if you're served with a law suit
• Impact on credit
• Garnishments
• Satisfaction - payoff recordings
• Impact on real estate and mortgage financing

Tax Lien

• What it is
• How it affects financing
• Impacts on credit
• Satisfying/release - get & keep your proof

Child Support

• What it is

 

 

 

 

 

Foreclosure

• What it is
• Impact on credit
• Stopping foreclosure
• Deficiency judgments
• Sample letters

Repossession

• What it is
• How it works
• Impact on credit
• Deficiency judgments

 

 

• Identity Theft Protection