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Phantom Debt Collectors

Phantom Debt Collectors We recently came across this really great article — “PhantoM Debt ColleCtor” by Michelle Black of creditwrtier.com. What she writes about is so impactful that we are sharing it here as well. By now you should know that credit education is a… Read More »Phantom Debt Collectors

How my FICO Score is calculated

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The FICO® Score is calculated from several different pieces of credit data in your credit report. This data is grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how your FICO Score… Read More »How my FICO Score is calculated

Who is Required to Report to the Credit Bureaus?  Who Exactly are These Bureaus and What do They do Exactly?

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Well since you asked.  NO ONE.  There is no law requiring any company to report to any of the credit bureaus.  Many companies do, however, because they see value in having a resource to be able to judge the risk in extending some form of… Read More »Who is Required to Report to the Credit Bureaus?  Who Exactly are These Bureaus and What do They do Exactly?