The 800 Credit Score Man Show

Closing Accounts and How They Impact Your Scores Aug 07, 2021

We discuss Wells Fargo's decision to close ALL personal lines of credit along with how it might impact your score to close any account.

What Truly Impacts Your Credit Score! Jul 03, 2021

We discuss what impacts your score for real, how to avoid issues, and are they positive or negative

What comes first...the chicken or the egg? Apr 24, 2021

We discuss how the strategy to gain more points.

How To Build Credit Without Going Into Debt Apr 10, 2021

We discuss ways to increase your credit score without going into "major" debt. Plus a great question of the day. Plus a Happy Birthday shoutout to ME!!

Jumpstart Your Credit Apr 03, 2021

Today we discuss stagnant credit scores and how to get them moving in the right direction. Plus, when is the best time to add your child as an authorized user and give them the gift of good credit.

Using Your Stimmy to Increase Your Credit Scores Mar 20, 2021

We discuss the best use of SOME of your stimulus check, tax refund, and/or bonus to increase your credit scores. PLUS, THE RESULTS ARE IN from our poll...Is your FICO score higher than your VANTAGESCORE?

Debt Collection on FACEBOOK! Feb 06, 2021

We discuss the newest attempt to collect from consumers using social media to find (and harass) you to collect on your debts.

Debt Parking! What Is It And How To Stop It! Jan 30, 2021

Collections agencies will "park" debt on your credit reprt waiting for you to pay them money that you actually don't owe.

Bonus Coverage: Beyond the 5 Pillars of Credit Jan 16, 2021

We discuss what else impacts your credit score besides the 5 Pilars of Credit. Get my ebook: 5 Pillars of Credit on Amazon

Credit Utilization: 5 Pillars of Credit Series...THE END Jan 09, 2021

We discuss the last of the 5 Pillars of Credit, credit utilization. How "easy" is this pillar to manipulate in your favor for a better credit score.

The Series on The 5 Pillars of Credit Continues: LOH Jan 02, 2021

We discuss the importance and impact of your average Length of History. How can you manipulate this pillar in your favor.

Payment History: 5 Pillars of Credit Series Continues... Dec 26, 2020

We discuss the importance of how well you make payments that appear on your credit reports and their impact on your credit score. It is significant. Master this pillar and you are well on your way to an excellent credit score.

5 Pillars Of Credit Series Continued: CREDIT MIX Dec 19, 2020

Continuation of series on the 5 Pillars of Credit. Today we discuss the MIX and how this pillar plays a significant roll in your credit score.

A Deep Dive Into The 5 Pillars Of Credit Dec 12, 2020

We start the series to discuss the 5 Pillars of Credit. The first shall be last and the last shall be first. We start with inquiries. There is more to know than you think.

Credit...Credit...And More Credit! Nov 14, 2020

We discuss the new average credit score and why its so high. A Aunthorized user off from the bank and why your credit score when down after you paid off an installment loan.

Frequently Asked Credit Questions Nov 07, 2020

A plethora of topics discussed today as I answer viewers questions. How to get an 800 score? Why did my score go down? What happens when I apply? Why do I keep getting denied?

Scary Credit Situations And How To Handle Them Oct 31, 2020

We discuss credit situations that are difficult, but can be overcome.

Parents: Help Build Credit Oct 24, 2020

Today we discuss the ways to help your kids get a leg up on the credit game.

How To Restore Your Credit Score During A Pandemic Oct 17, 2020

We discuss the ways to help increase your credit score during economic hard times. Plus what to do when an account is not reporting correctly.

Credit Score Plan For Increase Oct 10, 2020

We discuss how to plan for credit score increase. Where to start. How to figure out your plan and motivation to keep going.

"NEW" FICO Credit Scale Oct 03, 2020

We discuss the new scale for FICO. Where does your credit score fit in?

Building Credit WITHOUT Credit Cards Sep 19, 2020

Today we talking about how to obtain a good credit score without using credit cards. We talk fraud protection and what to do if you are a victim of fraud and how often you should check your credit report.

Why Is It Taking So Long To Update My Credit Report? Sep 12, 2020

Today we discuss a lot of different topics. Why is it taking so long to investigate my dispute? How do you get over an 850 credit score? And I give you the apps to help you monitor your credit 24/7

It's Time To Negotiate Those Collections Sep 05, 2020

A lot of information on today's show. We discuss the perfect timing to negotiate a collection and how. We celebrate a listener for reaching the 700 Club and I advise you to celebrate yourself!

A PERFECT CREDIT SCORE! Aug 29, 2020

Today we discuss why your credit score went down. Plus The 800 Credit Score Man achieved a PERFECT credit score and he talks about how he did it.

Credit Tips and Follow up Aug 22, 2020

Today we discuss several different topics on credit. Tune in for these tidbits,

CREDIT: Mortgage Financing! Aug 15, 2020

Today we discuss exactly what you should do when you want to buy a home. 4/5 credit restoration clients want to buy a home as their goal, but are unsure of the process. Not after listening to the show!

bASS Ackwards: Common Sense Credit Aug 08, 2020

We discuss some common sense credit items that are not all exactly helpful like you think they should be,

The Post Office Is Causing Havoc With Your Credit Aug 01, 2020

Credit scores and how to protect them during this time of unrest.

FICO Resilence Index...say what?!!!! Jul 04, 2020

The NEW FICO Resilence Index is explained. What does this index mean for you? Does it help or hurt? What are the pros and cons.

How Will Consolidating Debt Impact My Credit Scores? Jun 27, 2020

We discuss the pros of debt consolidation and what to look out for when considering a loan, plus COVID, and much more.

Look At Your Credit Like It's Your Business Jun 20, 2020

Today we discuss your strategic plan to increase your credit scores. How lending institutions view you, the credit bureaus, and FICO.

Ripple Effect Jun 13, 2020

How your actions or inactions impact your credit scores, negatively or positively.

Priorities: What Do I Do First To Improve My Credit Scores Jun 06, 2020

Today we tackle the order in which you should address items on your credit reports.

4th ANNIVERSARY OF THE 800 CREDIT SCORE MAN SHOW! May 30, 2020

Recap of 4 years of the show. We discuss FICO and when and where to get your credit report.

5 Credit Hacks Plus a BONUS May 23, 2020

How to increase your credit scores using these simple hacks. Stick with the plan and follow through. Also a way to save some money using your credit. ANNIVERSARY SHOW NEXT WEEK!! TUNE IN! 4 YEARS!!!!

Obsolete Credit Information May 16, 2020

We discuss what is and what was in terms of your credit score. Collections, credit cards, liens, etc. etc.

Credit Score Predictions May 09, 2020

Today we discuss whats going to happen to your credit scores and to look out for unemployment fraud. Plus 6 ways to things to help with credit restoration.

7 Things To Look For When Using A Credit Card To Improve Your Scores May 02, 2020

We discuss the pitfalls of a credit cards as it relates to your credit scores. How do you use them to your advantage?

Credit In The Age Of The COVID-19 Apr 25, 2020

Today we discuss changes to the credit scoring system due to the COVID-19 response, authorized users in the QOD, and a throwback to the Credit Score KISS

Piece Meal Credit Repair Apr 18, 2020

Today we discuss how to actually look at your credit as a whole and restore it the correct way.

Common Credit Moves and Their Impact on Your Scores Apr 11, 2020

Its my BIRTHDAY!! We discuss how commonsense credit moves impact your scores. Some of them that seem positive are not good for your score. Listen and Learn!

Credit Utilization: Why Is It So Important? Apr 04, 2020

We diiscuss what credit utilization is, how to calculate it and why is it so important.

5 Ways To Improve Your Credit Score NOW! Mar 28, 2020

We talk about mproving your scores right now and how the COVID-19 crisis can assist in improving your credit scores.

Protection Your Credit During a Pandemic Mar 21, 2020

Today we discuss saving your credit through savings and what you should do RIGHT NOW to protect your credit

We're BAACK! FICO 10, Help or Hurt? Mar 14, 2020

We are back today. New Studio, new equipment, same great content. We discuss the latest and teh "greatest" FICO 10.

Where and When Should I Check My Credit Score? Nov 09, 2019

Places to check your credit score, when and what to do if you have a missed payment.

10+ Things You Should Know About YOUR Credit Oct 26, 2019

Today we are BACK!! Discuss what you should know to get and keep a good credit score. Plus, why was I turned down with a 800 credit score in the Question of the Day.

Chase's 5/24 Rule Sep 07, 2019

Today we discuss the Chase 5/24 Rule, bankruptcy-to file or not, and I answer the question: How old do you have to be to become an authorized user?

Credit FAQ's Aug 25, 2019

On a SPECIAL Sunday edition of THE 800 CREDIT SCORE MAN SHOW! we discuss all things credit. We explore the most frequently asked questions.

Building Credit From Scratch Aug 17, 2019

How to build your credit no matter what your credit score is and even if you are one of 45 million people without a credit score at all.

Leveraging Your Credit Aug 10, 2019

Now that you have increased your credit scores...how can you use them to work for you? Also, what to do when being an authorized user goes bad.

Capital One HACKED!! Aug 03, 2019

We talk about protecting yourself from the hack. 106 million people impacted. How to avoid credit fraud and ID theft. Plus a great QOD.

Does Equifax Owe YOU Money? Jul 27, 2019

Today we discuss the ends and outs of the settlement between the goverment and Equifax. Plus in the Question of the Day I answer: How to pay down your credit card debt to gain the most points possible.

Credit Consequences Jul 20, 2019

Today we discuss how your credit actions or inactions impact your credit scores.

Congress In Your Credit Jul 13, 2019

We discuss the new proposed bill to add rent, utilities, and cell phone payments to your credit reports, credit card usage and when to close them. Plus in the QOD we answer a question about collections

Rebuilding Credit Jun 29, 2019

We discuss where to start rebuilding your credit, how to and managing expectations.

Men and Credit Jun 22, 2019

Today we focus on men and their credit. How to lead financially with good credit, the importance of credit. We also talk a little about the new Amazon credit card.

3 Year Anniversary Show! Top 10 Credit Pointers Jun 01, 2019

10 things to help you improve your credit scores, plus who do you pay to get rid of collections in the question of the day.

Graduation Credit Tips May 25, 2019

Tips for high school and college graduates to protect and increase their credit scores.

Credit Bad: Where Do I Start? Apr 27, 2019

I give 12 tips on how to turn your credit score situation around. Plus a great question of the day.

5 Pillars of Credit...QUIZ!! Apr 13, 2019

So many questions and answers. All found in the ebook, 5 Pillars of Credit. Get the book today! Great Question of the Day about authorized users authority.

Credit's 30:30 Rule Apr 06, 2019

What is the 30:30 rule?

To Refinance Or Not To Refinance? Mar 30, 2019

We discuss the pros and cons of refinancing your vehicle? What do you mean my car is upside down? How long should you finance a vehicle?

Dealing With Collections Mar 23, 2019

We talk how to handle collections. Whats the difference between "regular" collections and medical collections? Which should I tackle first? Can I negotiate a lower amount and removal?

How Long Does Credit Restoration/Repair Take? Mar 16, 2019

How long? What if you filed bankruptcy? 5 Pillars Of Credit, collections, how long does that stay on my credit report, etc.

8 Reasons Your Credit Score Could Drop Mar 09, 2019

BIG ANNOUNCEMENT! Why your credit score dropped. Preapproved or prequalifed...is there a difference?

Best Credit Questions of the Week Mar 02, 2019

Students loans, why is my score different, and what should I do about this collection. Plus much more!

5 Pillars of Credit Feb 23, 2019

Today I break down how your credit score is calculated, wrap up the reason why saving can save your credit from last weeks show, and tell you which credit bureau is most important.

Protecting Your Credit By SAVING Feb 16, 2019

Options and advice on saving money to protect your credit. Plus, should I or shouldn't I become and authorized user

Improve Your Credit Score W/O Paying A Dime Jan 26, 2019

UltraFICO, ExperianBoost, Pay my debt or collections first?

How Do Tradelines and Authorized Users Differ? Jan 19, 2019

Tradelines vs Authorized users and what to do when a collection agency comes calling

Banks vs Credit Unions: Which Is Best For YOU? Jan 12, 2019

We discuss are banks and credit unions the same? What are the differences? Is one better than the other? And we talk about Chexsystem: what is it and how do you get out of it.

2019!! Experian Boost?!!! Jan 05, 2019

We talk about the NEW Experian "project" to help increase your credit score.

Looking Toward The Future: 2019 and Your Credit Dec 29, 2018

2018 wrap up and whats to look forward to in 2019

Charge Cards vs Credit Cards Dec 08, 2018

Whats the difference between a credit card and a charge card. How does the charge card impact my credit score? Marriott data breach, collection negotiations and more...

Credit Card Faux Pas Dec 01, 2018

What to watch out for with your credit cards. Avoid these credit card mistakes. Tradeline: why?

7 Deadly Credit Sins Nov 24, 2018

What to avoid when trying to obtain or maintain a good credit score. Collections: Pay or leave them alone?

Protect Your Credit During Holiday Shopping Nov 17, 2018

Recap of UltraFICO, Vets, Protect your credit from fraud etc. How to get money off collections.

WTH is UltraFICO? Nov 10, 2018

We discuss the new FICO scoring model and how will it impact your credit scores

VantageScore VS FICO: How Are They Different? Nov 03, 2018

I tell you the real reason why your Credit Karma score is different from your FICO score. Plus, how many credit cards is too many or not enough.

100 Credit Facts! Oct 27, 2018

100 credit facts on the 100th show! Plus, the results of the piggy bank savings

Debt Collection: Know Your Rights Oct 20, 2018

We discusss what debt collectors can and cannot do plus your rights under the Fair Debt Collection Practices Act

The RIGHT and WRONG Way To Restore Your Credit Oct 13, 2018

CNBC article, credit utilization, my collection story and the right and wrong actions to use to restore your credit

Why Your Credit Card Balances Matter Oct 06, 2018

Debt Utilization, maintaining a good credit score and much more.

SIgns You Need Credit Restoration Sep 29, 2018

Talking about Credit Card Do's and Don'ts plus the top signs you need help with your credit

Credit...Credit...Credit Sep 22, 2018

Collections, Credit Basics, and Credit Tips.

The Cost of Credit Sep 08, 2018

How much does good or bad credit cost you? Real life example of car buying and home buying

Steps to Restoring Your Credit Sep 01, 2018

Today we discuss business credit in the QOD and how to turn your credit score around from A-Z

6 Reasons Your Credit Scores Dropped Aug 18, 2018

Discuss score drops, why were your credit scores in the news this week, and how to get credit without using getting a credit card.

Balance Transfers: How Do They Affect Your Credit Score Aug 11, 2018

The ins and outs of balance transfers, debt utilization, first time home buyers etc.

Got Late Payments? How To Avoid Them and What To Do About Them Aug 04, 2018

Late payment tips to avoid and get off of your credit report. What to do if your info in on the dark web.

Where Do I go From Here? Jul 21, 2018

Discuss where to start for improving your credit score as well as how you compare to your peers, how the country compares by region and whats the new average credit score

Good Debt vs Bad Debt: How They Impact Your Credit Scores Jul 14, 2018

Today we talk about appreciating assets vs depreciating assets. Their impact on your credit scores and what to do about the law firm that's attempting to collect a debt

Repairing Your Credit: Once and For All Jul 07, 2018

How to get the best score and maintain it. Secure cards

6 Ways To Improve Your Credit Score Jun 30, 2018

Want to improve your credit score in less than a year? Listen to these 6-7 ways to positively impact your scores.

Questions Answered From the Listeners Jun 09, 2018

I answer submitted questions for listeners: collections, mortgages,length of history, etc.

Credit Facts! 2 Year Anniversary Show! Jun 02, 2018

A lot of different facts about crerdit on todays show: inquiries, credit card balances, child support, THANK YOUs, etc.

The Real Scoop on VantageScore May 26, 2018

VantageScore vs FICO, Car negotiations

Mysteries of Credit May 12, 2018

Why my score changes, industry specific credit scores. When should I apply for a mortgage?

Test Your Knowledge: The CREDIT QUIZ May 05, 2018

Today is quiz day to see if you have been paying attention. 15 questions and a BONUS. Let me know how you faired. 800@creditscoreman.com

Collections Impact and Don't Do This Apr 28, 2018

Collection impact on your score, drop of 100 points! Credit impact on one ladies life. Don't do this whilw applying for a mortgage.

Why Was I Denied Credit? Apr 14, 2018

Reasons you were denied and what to do about it. Nonprime mortgage loans-Stay AWAY! Medical collections

Credit's Impact on your Life Apr 07, 2018

interest rates, jobs, renting apartments, financing homes to appliances, etc.

3 Great Credit tips Mar 31, 2018

online vs mail disputes, 100 word statements, debt consolidation 104 points!!

The Ins and Outs of Credit Mar 24, 2018

Discuss the do's and don'ts of credit.

SPRING CLEANING: THE CREDIT EDITION Mar 17, 2018

Collections, Decreases in Score, www.annualcreditreport.com and much more...

Credit and Debt: Rid yourself of Debt Mar 10, 2018

Debt consolidation, AVALANCHE, SNOWBALL, Balance Transfer, establishing credit at 18

Savings and Credit Mar 04, 2018

How savings and credit are related. How can saving money help with me credit.

Credit Card Breakdown: How Do They Impact Your Score Feb 24, 2018

Bank credit cards, Store credit cards, Secured cards and what impact, if any, do they have on your score.

CPN's and Tradelines: Legal? Feb 17, 2018

We discuss the legality of CPN's, tradelines and other tactics used to increase your credit scores and the legality of them. Along with some tips to increase your scores the RIGHT way.

Dispute It! Feb 10, 2018

What, where, and how to dispute errors and negative items on your credit report

Got Credit Questions? Get Answers Here! Feb 03, 2018

Debt Utilization, collections, what next, taxes and a whole bunch more!

Whats on my Credit Report? What to do with my tax return? Jan 27, 2018

Credit and taxes along with inquiry questions

Your Debt and Your Credit Score Jan 13, 2018

First show of the 2018!! Generation X, Boomers etc. Credit scores and tips tips and more tips

Your Credit: The Year in Review Dec 23, 2017

Debt utilization, Credit Cards, Collections, Authorized Users, and MUCH MUCH MORE!

Tips, Tips, and More Credit Tips to Increase your Score Dec 16, 2017

Collections, bankruptcy removal, payments, and a strategy to increase your credit score.

Know The Credit Game Dec 09, 2017

Judgments, Equifax Hack, Mortgages, Establishing Credit

How to use Debt Consolidation to Boost Your Score Dec 02, 2017

Debt Consolidation, Balance transfers, Debt Management, collection agencies

Protect Your Personal Credit and How Important is Your Credit Score Nov 25, 2017

How to stop hackers from getting your personal information. The factors that determine if you will be approved or denied credit.

How to Build Credit WITHOUT Spending a lot of Money Nov 18, 2017

Ways to increase your credit score without spending your cash and how long will it take you to get to an 800 credit score.

6 Top Tips to Increase Your Credit Score Nov 11, 2017

Simple tips to increase your score. Why does your credit score fluctuate?

FCRA and FACT Act: Why reviewing your credit report is important Nov 04, 2017

FREE Credit Reports, Debt Reduction (Snowball and Avalanche)

Credit Made Plain Oct 28, 2017

Credt Myths and all the insight you need to increase your score

Self Lender: What is it and does it work? Oct 21, 2017

the inside skinny on self lender.

My Favorite Ways to Increase Your Credit Score Oct 14, 2017

How your credit score impacts other areas of your life. What factors don't impact your score. Equifax hack.

Want a 800 Credit Score? Here's How!! Oct 07, 2017

My personal credit score journey. 7 tips to get you started on your way to an 800 credit score

Credit: Simple and Difficult Sep 30, 2017

How to get and keep a good credit score. File your disputes NOW!!! Equifax hack impact on your credit score.

Equifax hack: Now what?!!! Sep 23, 2017

Will a debt consolidation loan increase my credit score? Equifax hack, whats going on now. Moveon.org sign the petition Equifax Protection Act

Equifax Data Breach: What Should You Do? Sep 09, 2017

Today's show is all about the Equifax hack. What happened? Who is impacted? What can you do to protect yourself?

How to Gain Points on Your Credit Score NOW! Sep 02, 2017

Debt Utilization, Credit cards, Collections and more...

5 Credit Score Pitfalls to Avoid Aug 26, 2017

How many points does your credit score drop for late payments, foreclosures, bankruptcies, etc. Collections: Lump sum or make payments?

CREDIT QUIZ Aug 19, 2017

I quiz you on your knowledge of "credit".

www.annualcreditreport.com Aug 12, 2017

Where to get your credit report for FREE. What should you prepare for when you log on? Why is my credit score different in different places?

Credit Formula Aug 05, 2017

The formula to getting a better credit score. Do trade lines work and are they worth it? Do authorized users work and are they worth it?

5 Actions to Impact Your Credit Score Jul 29, 2017

Closing accounts, Short sales and Actions to take TODAY to increase your credit score

Credit Facts and Fallacies Jul 22, 2017

Why is my score so different on the 3 credit bureaus? The imprtance of accurate info on your credit report. Does being a minority impact my score?

Financing and Credit Tips Jul 15, 2017

How to negotiate a car deal. Buying vs Leasing. The dealership can do what?!!

Financing and the Fine Print Jul 08, 2017

How does financing work with a store? 90 Days Same as Cash Options. Why Credit Matters.

Removing Charge-Offs From Your Credit Report Jul 01, 2017

What is a charge-off? Do I have to pay if the account is charged off? How to get a charge-off deleted? How long does it stay on my credit report? Judgments removed!! Tax liens...GONE!

Negative Impact On Your Credit Jun 24, 2017

Budgets, ignoring creditors, paying on time. Paying off loans.

8 Ways to Positively Impact Your Credit Score Jun 17, 2017

Happy Father's Day! Obtain credit ASAP, Consumer Financial Protection Bureau, Revolving debt vs Installment, Credit Card limts and debt utilization

11 Ways to Boost Your Credit Score Jun 10, 2017

Credit card limits, disputes, mortgages, and more

What Do Lenders Look For in Your Application? Jun 03, 2017

Mortgage lenders, Documents needed, Debt Ratio, Debt utilization

How Long Does That Stay On My Credit Report? May 27, 2017

Discuss the time it takes for items to fall off of your credit report. Bankruptcy, repossessions, tax liens, judgments, inquiries, collections, etc.

The Anniversary Show! 5 Factors of your Credit Score May 20, 2017

1 year! We celebrate the start and the future of THE 800 CREDIT SCORE MAN SHOW! We turn the mission into a movement. School is in on the factors that make up your credit score.

Positve and Negative Impact on Credit May 13, 2017

I list the positive and negative items that impact your credit. Plus a trick question. Come back next week for the Anniversary show!

10 Credit Mistakes To Avoid May 06, 2017

10 BIGGEST credit mistakes that you make. Do you have maxed out credit cards? Does no debt equal good credit? Procrastionation...

VantageScore Change Ahead Apr 29, 2017

FICO vs Vantage. Whats new? How to get paid collections removed. To close a credit card or not to close...that is the question.

COMMON CREDIT QUESTIONS Apr 22, 2017

What happens if I have a late payment? Why did my credit score go down after getting a new account? Why did my score down after paying off a debt? Does checking my credit report hurt my score?

When is it OK to close a credit card? Apr 15, 2017

Reasons TO close a credit card and reason NOT to close a credit card. Plus: Why did my score drop 30 points?

New FICO Credit Score Chart! Apr 08, 2017

New Chart for FICO, Charge-offs, and my credit score costs me how much?!!

8 Ways To BOOST Your CREDIT SCORE Apr 01, 2017

609 Letters and 8 ways to increase your credit score along with whats a charge-off

POSITIVE Credit Score Changes Mar 25, 2017

New information about how changes positively effect your credit score. What happens when you lock in your mortgage rate? Increased score during the mortgage process, do I get a better rate?

Raise Your Credit Score By Doing...NOTHING! Mar 18, 2017

Federal Reserve rate hike and how it effects your credit score. Who do you contact first, your lender or your credit restoration company? New, positive info for your credit score increase.

Collection Negotiation...NOW!!! Mar 11, 2017

I give you the script to negotiating with a collection agency. And we discuss how long does credit restoration take

FREE FICO Score Mar 04, 2017

Why are so many places offering a FREE FICO score? How to monitor your own credit for FREE. Where to get a FREE Experian credit report. Tribute to Chrissy King!

Credit Conversation with Clients Feb 25, 2017

How long does it take to RESTORE my credit? When can I buy a house? What's worse, a collection or late payment?

Credit Letters For Your Credit Report Feb 18, 2017

Goodwill Letter, Statement of Explanation, Dispute Letter. 8 sentences or less! Why do you lose points for inquiries?

Non-Traditional Credit Accounts Feb 11, 2017

Adding your rental payments to your credit report. Why you need good credit, even if your home and auto are paid for.

CREDIT: Do's and Don'ts Feb 04, 2017

DIscussion of what to do and what not to do regarding your credit reports and scores.

So What's the Scenario? Jan 28, 2017

I give 3 credit profiles and tell you exactly how to increase your credit score for that scenario.

Cosigners and Authorized Users: How they affect your credit scores Jan 21, 2017

Today I provide tips on how to protect your credit if you are a cosigner, what's the difference between a cosigner and and authorized user plus benefits of becoming an authorized user. Question of the Day deals with what to do if you don't get your desired results

How To Increase Your Credit Score Jan 14, 2017

I give examples how to maintain and increase your credit score by establishing and using accounts. Plus a controversial tactic.

2016...It's A Wrap! Jan 07, 2017

2016 in Review: Credit basics, collections, FREE reports, Debt Utilization, what hurts your score worse and much much more...

YOUR Credit Questions Answered Dec 31, 2016

Where to start to clean up your credit, medical collections clarified, authorized signers, disputing inquiries, increasing your score by 60 points with one credit move and much more!

Debt Reduction, Time, and Credit Dec 17, 2016

How does TIME help or hurt your credit score. How to reduce your debt AND raise your credit score at the same time.

3 MAJOR Factors That Affect Your Credit Score Dec 10, 2016

I talk about F.E.A.R., Discipline, Knowledge and what people with good credit scores have in common

Why Does Your Credit Score Fluctuate? Dec 03, 2016

What causes your credit score to go down? Revolving Credit, Aging of accounts, FICO Formula Changes, and Score Card Hopping

Tips Galore: Credit Score Increase Nov 26, 2016

2017 CREDIT SCORE COME BACK. I give tips on how to increase your credit score, lower your interest rates and save $.

CHANGE IS HERE! Nov 19, 2016

Positive change at the credit bureaus: Disputes, Collections, Fines, Medical Debt. Stuck at the same credit score for far too long? I give tips on how to "move the needle."

What Should I Do if I Have a Late Payment? Nov 12, 2016

How to stop late payments from going on your credit report; How much wil my score drop if I have a late payment?; Change HAS Come regarding medical collections;

What, Where and How to Dispute Items on YOUR Credit Report Nov 05, 2016

Info on where to send your disputes, how to contact the credit bureau via web, phone and snail mail. Your RIGHTS regarding disputing information on your credit report.

What's on YOUR Credit Report! Oct 29, 2016

Details on whats actually on your credit report and whats NOT. How to get a FREE credit report and What to look for to protect yourself from fraud.

IS MY SPOUSE DRAGGING DOWN MY CREDIT SCORE? Oct 22, 2016

Combined credit accounts, mortgage qualifications, What's mine is yours and what's yours is mine. 700 score or less-gets no date!

7 Ways to Re-Establish Your Credit Oct 15, 2016

We discuss how to establish, re-establish, restore, revitalze YOUR credit. Whether you are a millennial, gen x or gen y. Even if you have filed bankruptcy.

MYTHS, LIES and UNTRUTHS ABOUT YOUR CREDIT REPORT Oct 08, 2016

Common myths dispeled about whats on or effects your credit scores

CREDIT MATTERS Oct 01, 2016

How much money is your bad credit costing you? Real life examples of the money you are losing.

Collections: How to Handle Sep 24, 2016

Learn how collection companies work and how to negotiate with them for less than the amount owed and for removal from your credit reports.

The Breakdown: How Your Credit Score Is Calculated Sep 17, 2016

The 5 criteria that make up your credit score and what to do to re-establish credit

Credit Score Basics Sep 10, 2016

Introduction to credit scores. What's a good score? Where can you get a FREE credit report?

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