WE RAISE CREDIT SCORES
One possible reason… there may be a problem with Equifax computer system incorrectly reporting dates. For instance a collection that was opened years ago might be updated with a recent ‘open’ date. We’ve seen this occur in the past with other bureaus and hopefully this will get corrected very soon.
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If you are using Credit Keeper to view your reports and scores online, at this time we do not use the ‘score tracker’. It currently has little relevance; please refer to the three inidvidual scores. You can order new reports and scores once a month.
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Vantage Score rates credit from 501 to 990, giving each individual a letter grade ranging from A to F. The benefits the Vantage Score system offers over the FICO system seems to be largely illusory. It is speculated that Vantage will likely coexist alongside FICO for many years to come. For more information about Vantage: [...]
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Title companies conduct a judgment search on buyers prior to purchase of property. The reason this is done is based on the fact that the plaintiff, who filed the judgment, can attach a lien to the property once the buyer has purchased it. The search is usually done only in the county where the property, [...]
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This depends on your current credit history and what your goals are for future financing. This might be a necessary step to raise your scores or it might keep you from obtaining your goals. For only $49 we will evaluate your reports and determine what is best for you.
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Having a long standing credit card that is used as outlined on our FAQ page is a real plus. Cards can become inactive if you neglect to use them. We recommend using your cards at least once every six months and take two months to pay it off to verify the account activity is reported.
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When you are in a temporary loan mod and making partial payments, your creditor will most likely report the account is being paid ‘late’.
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The statute of limitations in the state of Oregon is 6 years for a creditor to file a lawsuit. Each state has it’s own statute of limitations.
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