Larry Smith
October 19, 2019
In a society that runs on credit, Americans are consumed with having a perfect credit score. Without good credit, consumers aren’t eligible for favorable interest rates, low interest credit cards, mortgages, insurance and even employment. In an effort to help the vast majority of American consumers obtain credit, Congress has introduced The Credit Access and […]
Larry Smith
September 18, 2019
For the next group of college graduates, the main concern post graduation is job and financial security. With surmounting student loans, credit card debt and never ending future expenses, financial independence seems next to impossible to obtain for graduates. According to experts, millennials, the population of individuals born between 1982 and 2004, live paycheck to […]
Larry Smith
September 6, 2019
I send to you my utmost thanks and respect for helping me regarding this issue. When i first contacted your firm…I was, to say the least, at my wits end. Numerous other of your competeing firms did not believe me and my situation…they were wrong. I NEVER ever wanted to go through this process. […]
Larry Smith
June 10, 2019
When negative information is reported on your credit file, The Fair Credit Reporting Act (“FCRA”) puts a time limit on how long the information can be reported. It seems fair that negative accounts shouldn’t be a blemish on your credit report forever. Under the FCRA, the Federal law that promotes accuracy, fairness, and privacy of […]
Larry Smith
May 29, 2019
It is no secret that on average in America, women earn less than men. Specifically, in 2019 women are earning just under $0.80 on the dollar compared to men. Knowing this is the case, have you ever wondered if women have lower credit scores than men considering they have lower income and less money available […]
Larry Smith
May 14, 2019
The use of credit reporting from the three main credit bureaus, Trans Union, Equifax and Experian by financial institutions has been in play for decades. As we have written on our blog, there are many other types of consumer reporting agencies that provide information that is governed by the Fair Credit Reporting Act. There […]
Larry Smith
May 8, 2019
Over the past several years, consumers have seen a rapid increase in identity theft. It can be argued that it is the fastest growing crime in America with almost 7% of adults experiencing some form of identity theft this year. Identity theft happens when someone uses another person’s information, such as their name, social security […]
Larry Smith
April 22, 2019
Your credit score is an important factor that can affect your ability to buy a home, get a loan, open a credit card, receive a good interest rate and even get a job or insurance. When considering your credit score, you should be aware that there is more than one score and there is more […]
Larry Smith
April 8, 2019
What is a FICO Score? Just when you feel it is hard enough to understand your credit score, FICO, the most widely used and most well known credit scoring model has introduced a new credit scoring system, referred to as FICO 8. FICO, or Fair Isaac Corporation, is the company that analyzes your credit information […]
Larry Smith
March 27, 2019
What Happens When a Background Report for a Job Application Picks Up A Conviction Greater Than 7 Years Old? Here’s the scenario: You go in for a job interview and the application asks if you have been convicted of a crime in the past 7 years. Maybe you have a record, but it dates back […]
