Diferente Puntuaciones del Credito

Diferente Puntuaciones del Credito

Muchos consumidores me preguntan porque hay una diferencia en las puntuaciones?   Es importante entender que hay tres agencias que reportan el credito – Equifax, Experian, y TransUnion.  Me gustaria compararlas con compañias que producen automobiles como Ford, Chevrolet y Toyota.  Ellos no comparten informacion ellos  se consideran competencia.  Cada compañia tiene su propio estilo…

Credit Scores Variations

Credit Scores Variations

Credit Scores Variations Many consumers wonder why each credit bureau has a different credit score? It’s important to understand that Equifax, Experian, and TransUnion are competitors.  I like to compare it to Ford, Chevrolet, and Toyota. They don’t share information with each other and each have different approaches to collecting credit information.  They also have…

Entendiendo el sistema de crẻdito

Entendiendo el sistema de crẻdito

Entendiendo el sistema de crẻdito   Escribo esto para ayudar a todos consumidores que son nuevos a este paỉs.  En los EEUU, hace falta el buen crẻdito es necesario para comprar una casa o carro [al menos que seas muy rico y no tengan que aplicar para crẻdito]. El crẻdito es un sistema donde tres…

Pidiendo su Reporte de Credito

Entendiendo el sistema de crẻdito   Escribo esto para ayudar a todos consumidores que son nuevos a este paỉs.  En los EEUU, hace falta el buen crẻdito es necesario para comprar una casa o carro [al menos que seas muy rico y no tengan que aplicar para crẻdito]. El crẻdito es un sistema donde tres…

Wells Fargo Phantom Accounts

Wells Fargo Phantom Accounts

It should come as no surprise that Wells Fargo was just fined millions because a group of over 5,000 employees created phantom accounts to meet corporate goals.  While we need honest employees especially at a bank, it still points to a bigger problem:  No management members or executive leaders have been held accountable. This is…

Victim of Mortgage Fraud?

Victim of Mortgage Fraud?

  VICTIM OF MORTGAGE FRAUD?  Living in Florida, we know there is a high level of mortgage fraud. Many mortgage brokers and lenders initially just want to talk to you on the telephone. They sometimes mislead consumers into providing personal information so that they can be quoted a rate on a loan. Often times, your…

FDCPA – Your Rights

FDCPA – Your Rights

Under various State and Federal laws, Debt Collection Agencies are strictly regulated to protect consumers. That’s where our firm wants to help. Most consumers already know that a debt collection agency is prohibited from abusing you on the phone or in writing–what many don’t know is that they have a lot of additional rights. For…

Understanding the Credit System

Understanding the Credit System In this country, so much emphasis is placed on the credit system, yet it remains very mystical to so many consumers. Well, it is time to reveal to you the information the credit reporting agencies may not want you to know – your rights. To keep it simple, for Floridians, there…

What is in a Credit Score?

What is in a Credit Score? Your credit score is based on a secret mathematical formula owned by a company called the Fair Isaac Company [FICO]. Your score is like a snap shot of where you are today. The score varies from time to time and for various reasons – usually the maximum score is…