New effects and recent changes to consumer credit scoring. Credit

[Blake Nelson]

With so many different scoring models and with consumers increasingly becoming confused when they check their credit scores and getting a different score depending on where they checked it at, I wanted to lend my expertise to this topic and offer anyone who would like their personal credit reviewed a free credit consultation. Yes it is true, as of July 1, 2017 many civil judgments and about half of the tax liens that had been reporting on consumers credit reports were purged due to sporadic and inaccurate reporting that violated the Fair Credit Reporting Act. The FCRA or Fair Credit Reporting Act protects you and I from the creditors and credit bureaus and states that the information on your credit report must be

1.) 100% Accurate

2.) 100% verifiable- Proof that you owe- A service agreement, contract, signature, or some other type of acceptable proof.

3.) Reported in a timely manner

If any of the information doesn't meet these FCRA requirements than we legally have the right to dispute the items off our report.

There are so many mistakes on credit reports that they had to purge whole sections of the credit reports. Imagine if some or all of the negative items on your credit report were disputed and expertly removed over the next couple month?. What deals could you get done? How much cheaper would you pay for everything? I bet you wouldn't rent anymore.

Credit is probably the most important asset or obstacle we have in our adult life.  Just paying your bills on time does not equate into a good credit score . Actually paying your bills on time only accounts for 35% of your credit score. So what is the other 65% that makes up the rest of your credit score. Everything from credit card utilization, length of trade lines, new activity, and proper mix of credit line types just to name a few. 

There is absolutely no reason to have bad credit unless you have been laid off, had medical issues, or any other unexpected variables. 

if you would like for me to blueprint your credit report and show you what we can have removed and also a gameplan moving forward to maximize your scores then please contact me with any questions you have and lets set up a free consultation.

There is nothing better than having great credit. Don't miss out on an opportunity because you are embarrassed by your score or because you made some mistakes when you were younger. 98% of my clients credit scores go up a minimum of 40-100 pts in the first 30-90 days.

Be-careful about wild claims being made by random companies that cant prove their results or don't teach you how to fix your credit so that you know how to use it properly to build your foundation for your future. 

I can help you with your personal or business credit. 

Our company's reviews and ratings speak for themselves. If you want real results and factual advice then please call or email me below to schedule a time to have your questions answered or to have your own credit file reviewed.

Blake Nelson

Credit Expert

Avid Investor

Credit Absolute