Credit Tips - Dedicated Credit Repair

Credit Tips

What are the Credit Tiers for Mortgage Rates?

By Tiffany Cross | January 26, 2022

You hear (and read) us preaching about how low to average credit scores will impact your finances, especially when it comes to large purchases like cars and homes.  So today, let’s look at some real numbers pertaining to credit tiers and mortgage interest rates. The table below shows you average mortgage rates based on your…

5 Simple Ways to Improve Your Credit Scores

By Tiffany Cross | January 20, 2022

When a credit report has multiple negative items on it, credit repair is typically the fastest and easiest way to bring those scores up.  However, if your credit is in good shape and you want to keep building good credit and increase your scores over time, here are a few good habits to form. Review…

Good Things Don’t Always Come to Those Who Wait

By Tiffany Cross | January 12, 2022

It was probably one of our parents who first told us “Good things come to those who wait.”  Chances are, we were wanting something that they either didn’t have or didn’t want to give us at the moment and so they used this phrase in order to buy some time.  Heck, you may have even…

How Many Credit Cards Should I Have?

By Tiffany Cross | January 5, 2022

“How many credit cards should I have?” This is actually a pretty common question that we hear, so let’s explore it a bit… FICO recommends that you have 3-5 revolving lines of credit (credit cards), but just as important are: A good diversification of credit (revolving, mortgage, cars, etc…) A seasoned history of responsible use…

4 Resolutions That Will Lead to Higher Credit Scores in 2022

By Tiffany Cross | December 27, 2021

Did you live 2021 with poor to average credit scores?   If so, those low scores will cost you more money in 2022 when it comes to things like credit card payments, major purchases (a car or home), and any other purchase that you decide to finance such as that new bedroom furniture you’ve been thinking…

One of the Best Gifts You’ll Ever Give Your Child

By Tiffany Cross | December 22, 2021

  When we think of “gifts” this time of year, they usually come in the form of wrapped boxes underneath the Christmas tree and perhaps even delivered by jolly old St. Nick himself! But some gifts that parents give to children aren’t wrapped, can not be held, boxed, or placed under a pine tree.  They…

Inflation, Interest Rates, Your Credit, and Your MONEY!

By Tiffany Cross | December 15, 2021

  It’s no secret to anyone that inflation has hit us hard in the last 10 months or so, and there doesn’t appear to be an end coming soon.  Some economists actually believe that it will continue well into 2022.  Again, that’s probably nothing that you don’t already know. But did you know that a…

How Do Collections Affect My Credit Score?

By Tiffany Cross | December 8, 2021

  You may already know that if a bill goes unpaid for an extended period of time it is possible that the creditor may send the bill to a collections agency.   This will commonly happen once a bill is more than 180 days late and after the creditor/lender has made multiple attempts to collect on…

How Long Does the Credit Repair Process Take?

By Tiffany Cross | December 1, 2021

The Credit Repair timeline can vary from person to person based on a number of factors, but one thing that doesn’t change is the process that must be followed in order to achieve results.  If you understand this process, it will give you some idea of how long it can take. Here are the steps…

6 Reasons to Be Thankful for Good Credit

By Tiffany Cross | November 24, 2021

This week, we take time out to count our blessings and be thankful for the good fortunes in our lives, big and small. Sometimes there are “hidden” blessings that we may not consider too often, but that tend to be beneficial in our every day lives.  If you have top tier credit, either by practicing…