Credit Tips - Dedicated Credit Repair

Credit Tips

What Is the Difference Between Credit Repair and Debt Consolidation?

By Tiffany Cross | October 20, 2021

Low credit scores can come from a number of things such as late payments, collections, not having enough credit, too much debt, etc. But sometimes consumers aren’t sure if they should look into credit repair or debt consolidation in an effort to get their finances back into shape.  If you find yourself in this position,…

Is Change Coming to the Credit Reporting Process?

By Tiffany Cross | October 12, 2021

As you might already know, there are three primary companies responsible for credit scoring: Experian, Equifax and TransUnion. All three are private companies and their scoring methods, although very similar, do have some differences that result in a variance of scores between the three. Many in Congress are now calling for a complete overhaul of…

Using Credit Wisely: Think Carefully Before You Buy

By Tiffany Cross | October 5, 2021

We are always telling our clients that they need to establish credit and then use it wisely and make timely payments in order to achieve and maintain high credit scores. It’s not wrong to use credit cards – in fact you MUST use credit cards if you want to have top tier credit.  However, there…

Buying a House Next Year? Do These Things Now

By Tiffany Cross | September 29, 2021

It’s hard to believe we are already entering the 4th quarter of 2021.  With the new year just around the corner, a home purchase might be on your resolution list.  If so, there are a few things you can do now that will save you time, money, and stress when you’re ready to jump into…

4 Big Advantages of Using Credit

By Tiffany Cross | September 22, 2021

Often we meet clients who have little or no history of using credit – folks who prefer to pay for goods and services with cash or debit cards only. While it might seem more responsible to not use much credit, it can actually pose a major problem when trying to finance a house, car, or…

Did You Know: Potential Employers Can Check Your Credit!

By Tiffany Cross | September 15, 2021

Did you know that when you apply for a job, your potential employer can do a background check on you that includes a look at your credit? They don’t actually see your credit scores, but they can see your credit history. Why would an employer check your credit? For a few reasons… An applicant’s credit…

How Credit Repair Actually Works

By Tiffany Cross | September 8, 2021

Credit in general tends to be something of a mystery.  After all, you financial life is somewhat dictated by your credit score but the credit bureaus don’t really tell you exactly how they determine your score.  There are guidelines in place, but for most people, credit scoring is fairly puzzling. The same is true when…

These Days, It Takes Good Credit Just to Rent a Home

By Tiffany Cross | September 1, 2021

In the past, we’ve somewhat equated the need for good credit with the ability to buy a home.  After all, in order to qualify for a mortgage, you need to have at least “decent” credit and to get the best rates, you have to have excellent credit. But now the pandemic and things like the…

During Inflation, Good Credit is Your Best Friend

By Tiffany Cross | August 25, 2021

  The Consumer Price Index indicates that consumer prices have increased 5.4% from July of 2020 to July of 2021.  This means that on average, you are paying 5.4% more for everyday items that you purchase, compared to this time last year. Some industries have been hit even harder, such as housing and automobiles, where…

Did You Overpay for Your Last Car?

By Tiffany Cross | August 18, 2021

We’ve all seen the car commercials advertising those insanely low car financing rates like 0.9% or sometimes even 0%, but the fine print will tell you that very few people get those loans because not only does your credit need to be perfect, but you also have to be willing to finance your car for…