FREE Credit Scores May Be Free But Definitely Not Accurate

February 6, 2014 By Marco Carbajo

FREE Credit Scores

Free is really free this time right?

I’m sure you’ve seen all the crafty commercials talking about how you can get your free credit score at ….. .com without having to submit any credit card information.

But what you may not know is the score you get is not your actual FICO® score, it’s an educational score or a credit score generated from a different scoring model other than FICO®’s.

One popular site, CreditKarma™ does offer free credit scores, but it’s not your FICO® scores. The scores you get are the TransRisk New Account Score, Vantage Score®, and Auto Insurance Risk Score from Transunion.

So where do all of these credit scores come from?

Let’s break this down.
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Free FICO® Score Open Access Program Gains Momentum

January 9, 2014 By Marco Carbajo

FICO® Score Open Access Program

Did you know over 10 billion FICO® Scores are used worldwide every year by lenders to make cr free fico score open access program edit decisions?

It’s no secret that the FICO® Score is the standard measure of consumer credit risk here in the U.S. and aboard. The FICO® Score is used in more than 20 countries, as well as the top 50 financial institutions and 25 largest credit card issuers and auto lenders here in the U.S.

It’s amazing to think that a simple three digit number plays such an important role in our lives – whether it’s for buying a car, house, insurance, getting a student loan, obtaining a credit card, renting an apartment, or even gaining employment.
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How To Improve My Credit Score Fast

November 14, 2013 By Marco Carbajo

How To Improve My Credit Score Fast

Do you need to improve your credit score by 10, 20 or 30+ points?

Is time a luxury you simply don’t have and you need to see results really fast?

Well, the good news is you’ve come to the right place for some answers and proven steps to improve your credit score in as little as 45 days.

While these strategies are nothing new or revolutionary the fact is they work and have proven to work over and over again if done properly.

So let’s get right to it.
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Making A Case For Credit Repair Companies

November 2, 2013 By Marco Carbajo

Credit Repair Companies

Thinking about using a credit repair company to repair your credit?

Let me be the first to say that everyone has the right to repair their own credit, the Fair Credit Reporting Act protects our right to do so.

So why do people turn to credit repair companies if they can fix their own credit?

Bottom line, to make a case it boils down to three things:

1) Convenience – Many of us would simply prefer to have all the work done for us. The majority of us have hectic lives with busy schedules and simply don’t want to take the time to do all the work involved in the credit repair process; from analyzing credit reports, creating and initiating the dispute process, monitoring results, following up and following through with ongoing communication and counter- responses with the credit reporting agencies, etc.
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Easiest Credit Card To Get If You Have Bad Credit

October 22, 2013 By Marco Carbajo

Easiest Credit Card To Get

Looking to get your credit back on the right track?

Not sure if you can even get approved for a secured credit card? easiest credit card to get

Let’s face it, trying to recover and rebuild your credit after going through a financial rough patch can be stressful and frustrating especially if you can’t even get a secured credit card.

You may have had to declare bankruptcy; went through repossession; experienced extreme late payments, collections, judgments; a foreclosure; or the dreadful tax lien, no matter what it is you can recover and get new credit.

In this post I’m going to share with you the easiest credit card to get if you had bad credit.

Now you’ve probably heard that you should get a secured credit card right?

Well, I hate to break it to you but just because you put down a security deposit for a credit card does not guarantee that you will get approved.
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