Tax Liens & Judgments May Fall off Credit

Are you are one of millions of Americans with an bogus tax lien or civil judgment on your credit?  If so, your time is here!  The 3 major credit reporting agencies (Experian, Equifax and TransUnion) improved their scoring models to help consumers just like you. Find out when negative info falls off credit 602.435.2149 What and When - Judgments & Tax Liens According to, starting July 1, 2017 the major credit reporting agencies are removing tax liens as well … [Read more...]

Lender Shows Different Credit Score?

Ever applied for a home loan expecting one credit score only to have your home loan officer tell you your score is different?  This happens frequently.  In fact, if you have pulled your credit on a site like Credit Karma prior to your mortgage application, chances are your lender will see different credit scores in their version of your credit report. Learn more about your credit report What is a FICO score? FICO stands for "Fair Issac's Corporation" which is a company that holds over 130 … [Read more...]

No Credit Required Home Loan

Before you shame the mortgage industry please read on.  While reminiscent of the "anything goes" mortgage era, "No Credit Score Needed Mortgage" is not a free pass to those with a pulse. First of all, a home loan option for those without credit scores exists.  However, no credit score requirement is not the same as no qualification requirements.  In fact, no credit score required does not even mean that credit history review is wavied (see below for more).   The no credit score requirement … [Read more...]

When Does Negative Info Fall Off Credit?

Many consumers encounter tough times, forget to make payments or just do not know a payment is due.  The result?  A ding on credit and a drop in credit score.  The ding can be minor and it can be major.  Either way, late payments, collections, foreclosures and bankruptcies can have a long-lasting impact on a consumers credit.  Just how long you ask? Learn more about this history of the credit score Apply for a Home Loan 602.435.2149 How Long Does a Bankruptcy Stay … [Read more...]

Timely Payments Critical to Good Credit

Everyone wants a Great Credit Score.  One of the keys to reaching that goal is making on time payments (learn how to improve credit after late payments below). Just how important are on time payments?  How do late payments mathematically factor into your credit scores? Learn more about when negative information falls off your credit How Much do Late Payments Hurt My Credit Score? Considering that payment history makes up 35% of one's overall credit, it's safe to say late payments are … [Read more...]