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8 selected articles

How to get a credit score of 800 and above

By Lisa Phillips Updated on

February 29, 2016

Credit News , Credit Scores No Comments

Credit scores range from 350-850. According to FICO, the most widely used credit scores among lenders, consumers with high credit scores have increased. The consumers with higher credit scores have cut spending and paid down debt while consumers with lower credit scores are experiencing economic difficulties...

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How to rebuild credit after foreclosure ...

By Lisa Phillips Updated on

May 3, 2017

Credit News , Questions No Comments

Question: I lost my house in Foreclosure, due to Wells Fargo's mortgage modification bs. Yes, I am a claimant on the Mortgage Settlement. I want to know is there anything that we can do towards repairing our credit.

Answer: First, let me say that I am sympathetic to your plight. Foreclosure can be a traumatic event and...

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How to Dispute a Charge-off - Strategies to Rebuild Credit ...

By Lisa Phillips Updated on

March 2, 2016

A charge-off on a credit report is detrimental to credit scores, especially if it is recent. But how accurate is the information being reported about that charge-off?

What is a Credit Charge-Off

Banks, lenders and credit card companies will write off an account balance after a certain amount of time of nonpayment. That account balance is now a bad debt...

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Credit inquiries without a permissible purpose can be removed

Credit inquiries can remain on a credit report for 2 years. There are two types of credit inquiries - one impacts your credit score and one does not.

The two types of credit inquiries are a hard inquiry and a soft inquiry.

A soft inquiry occurs when you pull your own credit report or a creditor pulls your report to see how you are paying other obligations which is known as an "account...

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Strategies to Rebuild Credit History & Improve Credit Scores

Earn 25x the national savings rate.

Savings Account

A healthy savings account is equal to having good credit. Emergency funds can keep you afloat and keep your credit on track. Earn 25x the national interest rate with the CIT Bank Premier High Yield Savings Account that earns 1.55 percent...

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Banks That Don't Use ChexSystems | Second Chance Banks List

USAA Free Checking

USAA primarily serves military families, including retired service members, spouses, and children. Members of the National Guard are also eligible. You'll need a $25 deposit to start, but you're not required to hold a minimum balance. Additionally, there is no monthly service fee and you can take advantage of free ATMs, mobile check deposits, and overdraft protection. Note that...

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Has your credit report been pulled without a permissible ...

By Lisa Phillips Updated on

June 23, 2015

Credit News , Credit Repair , Questions 1 Comment

Question: A recent solicitor ran my credit without my permission (hard inquiry), I only gave them the last 4 digits of my social and don't know how they managed to run my credit without the whole number.

I ABSOLUTELY DID NOT GIVE THEM PERMISSION. I'm trying to refinance my home and working on my credit...

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Texas No ChexSystems Banks for people in ChexSystems


Texas Non ChexSystems Banks and Texas Second Chance Checking Accounts

If you are in ChexSystems or EWS open a new account at a Texas No-ChexSystems bank. Some credit unions in Texas even offer second chance checking and there's always the option of online checking accounts at No ChexSystems banks.

Texas ranks as one of the highest populations of unbanked Americans. Due to ChexSystems or...

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