Credit Tips - Dedicated Credit Repair

Credit Tips

Newsflash: 1 in Every 4 Credit Reports Has Errors

By Tiffany Hazelaar | May 19, 2021

Did you know that at least 25% of all credit reports contain errors? A recent NBC News report revealed that 1 out of every 4 people has at least one error and the actual number could be much higher as many errors go undetected and unreported.  Most people don’t find out about the errors until…

30% of Your Credit Score Depends on THIS…

By Tiffany Hazelaar | May 12, 2021

This is EXTREMELY important for anyone who is needing to increase their credit scores. 30% of your score depends on you have a minimum of 3-5 revolving lines of credit (credit cards). Too often, we come across people who mistakenly think that they are doing the financially smart thing by not using credit cards at…

Even Slightly Lower Credit Scores Can Cost You a LOT of Money

By Tiffany Hazelaar | May 5, 2021

Typically, when we talk about credit repair, the scenario people will picture is someone with REALLY bad credit getting help to improve their scores.  Yes, this is a situation that we tackle each and every day.  We’ve taken thousands of clients and brought their scores up from the “basement” into the “penthouse”. However, there is…

4 Laws That Protect Consumers from Predatory Lenders and Creditors

By Tiffany Hazelaar | April 28, 2021

Did you know that there are an arsenal of laws that protect consumers? Here is a partial list that we use to strategically dispute unethical, erroneous, untimely, and unverifiable information that could end up on your credit report. 1. The Equal Opportunity Act Ensures all consumers are given an equal chance to obtain credit. Lenders…

3 Simple Ways to Protect Yourself from Identity Theft

By Tiffany Hazelaar | April 21, 2021

Every day we receive phone calls from consumers across the nation who are in sheer panic mode.  In many cases, they have been alerted that their personal information has been compromised.  Fixing this issue is MUCH more difficult than simply preventing it from happening in the first place.  So with that in mind, we have…

A New Credit Scoring Model Offers Help for Those With Limited Credit History

By Tiffany Hazelaar | April 14, 2021

You may have heard us mention this before, but we wanted to provide you with a bit more information. A new credit scoring model is here!  It allows consumers to have banking information included in their credit scoring.  Here’s how it works… Under this new model, consumers are offered the opportunity to improve their scores…

Timing is Everything

By Tiffany Hazelaar | April 7, 2021

We always advise our clients (and pretty much everyone we talk to) that having strong credit scores will require you to have some credit cards/revolving credit.  We recommend that consumers have 3-5 of these revolving lines.  When someone has lower or “challenged” scores, it’s important to consider obtaining these essential revolving lines of credit.   We…

When NOT to Use Your Debit Card

By Tiffany Hazelaar | March 24, 2021

How often do you use your debit card? Do you use it when you travel?  Do you use it in places such as gas stations, convenience stores, for online purchases, or anywhere that may have “less than optimal” security measures in place? One of the risks of not having a few credit cards available for…

What is a Good Credit Score?

By Tiffany Hazelaar | March 17, 2021

These days, your credit score influences more than you might think. Most of us tend to think of credit scores when we are planning to buy a home or a car. But your credit score can influence some surprising aspects of your life, such as your car insurance rates or even your job prospects! And,…

I Can Afford to Pay Off My Car… But Should I?

By Tiffany Hazelaar | March 10, 2021

This advice sounds crazy to many people…  Don’t pay off your car if you are trying to build up your credit scores. “But why?  Isn’t paying off debt a good thing?” Well, under normal circumstances, yes, paying off debt is a good thing.  However, when you have an installment loan on your credit report that…