Most everyone has watched the news on the housing market. Interest rates are up, the inventory is low, and the market is slowing. I have had conversations with many people who are wanting to purchase a home, put down roots, and start building equity in their future. But they don’t feel the current market is […]
Author Archives: John McCall
16
May
May
The cost of bad credit can be very expensive. It can lead to higher interest rates on loans, higher insurance premiums, difficulty getting approved for housing, and difficulty getting approved for employment. The cost of bad credit can range from hundreds to thousands of dollars depending on the severity of the credit situation. The fastest […]
11
May
May
I have clients from all over the country asking me how much particular items on their credit report are affecting their credit and if the item is removed, then will their credit score rise. It is difficult to provide a precise answer because there are many underlying factors that can make or break your credit! […]
Building Credit, Credit Cards, Credit Score
What are the best chances of being approved for a credit card?
09
May
May
So, what are the steps to take in order to know you will be approved for a credit card. There are so many types of credit cards available, what type of card should you realistically expect to attain. There are commercials daily soliciting the “Reward” credit cards. Those sound appealing. Are they right for you? […]
04
May
May
I Want To Buy, Now! Are you preparing to purchase a home in the next few months? It seems that when we are not looking, a home just pops up and finds us, at a time when we were not even contemplating making a move. Then, boom! The rush is on to beat the clock […]
02
May
May
This is really not breaking news at this point. It’s been happening for a couple of years now. But I do think it worth mentioning again. Debt Collection companies CAN try and collect via your social media accounts. Over time, our communication process has changed dramatically. The idea of making a phone call when […]
27
Apr
Apr
The name is frightening. As it should be. The practice of trying to collect on Zombie Mortgages can be just as frightening. So, what is a Zombie Mortgage or a Zombie debt? Well, it’s debt that is past the statute of limitations and cannot be used as weapon to bring a consumer to court to […]
Building Credit, Credit Cards, Credit Repair Blogs, Credit Score, Mortgage
How to Raise Your Credit Score Quickly
25
Apr
Apr
So you want to buy a house. But your credit score is 675 instead of 720; which will get you the better rate on a home loan. If you want to raise your credit score quickly, there are some steps you can take that can guarantee an exceptional home loan or any other credit line […]
25
Apr
Apr
The simple answer according to FICO is 715. But average means different things when it comes to one’s age, where they live, and how much money they make. There are also so many scoring models out there, it’s hard to tell where one stands. One thing for certain is getting yourself in a position to […]
20
Apr
Apr
How long does it take actually to take for the credit repair process? There seems to be no definite answer on the time frame for how long the credit repair process takes. If you google it, you will see there is not a standard amount of time and no straightforward answer. Unfortunately what happens most […]